vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I applied for and received a Citi Simplicity credit card for the sole purpose of taking advantage of a balance transfer. On XX/XX/XXXX I transferred the sum of {$8000.00} to the card with an offer of no interest until XX/XX/XXXX ( XX/XX/XXXX Statement Attached showing both the transfer and the interest agreement ). Since that time I have made regular payments each month in the amount of {$400.00}. I have included XXXX, XXXX, XX/XX/XXXX statements showing my payments of {$400.00} each month with no interest being charged on the balance transfer. There is no other balance for purchases and I typically do not use this card for purchases. On XX/XX/XXXX, I used the card to pay my daughter 's XXXX XXXX as shown by the XX/XX/XXXX statement. In 11 days, I paid the amount in full as also shown by the same statement. Because I paid this purchase in full, there should be no interest charged. However, Citibank charged me interest of {$36.00}. The only balance on the card is for the remaining balance on the balance transfer, that should have no interest charged to that balance until XX/XX/XXXX. Additionally, Citibank has continued to charge me as shown by XXXX, XXXX and XX/XX/XXXX Statements ( attached ). After contacting Citibank, and escalating to a manager, she agreed with me that interest should not be charged. However, she said she had to escalate to a different department and they would send me a letter. I was on the phone for about an hour with all departments. I have attached the letter dated XX/XX/XXXX which only explains to me how CitiBank charges interest. It does not address my specific complaint nor give me any relief.

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 2024-12-21 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: NV

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

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 2024-12-21 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: NV

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

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 2024-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: PA

Complaint narrative:
A collection was placed on my credit in the amount of {$3600.00} as of XX/XX/year>. I called the company for resolution but it was not resolved

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am disputing the information reported on my credit report regarding an account with LVNV FUNDING LLC. The account was opened on XX/XX/XXXX, and is currently listed as a collection account with a balance of {$460.00}, as reported in XX/XX/XXXX. 

I do not recognize this debt and have no prior knowledge of any transactions or agreements with LVNV FUNDING LLC or the original creditor. I have not received any communications or notifications from LVNV FUNDING LLC regarding this account, making me question the legitimacy of this collection. 

Furthermore, my personal data was exposed in a recent data breach, which could have potentially resulted in unauthorized accounts or debts being reported in my name. Due to these circumstances, I am requesting verification of the debt and any related documentation to substantiate the legitimacy of this collection account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and The Federal Trade Commission ( FTC ) have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request a 1099-C form for the charged-off account associated with account number XXXX, which has a total balance of {$5400.00}. This amount has been reported as charged off on my credit report. 

The reason for this request is twofold : The account has been charged off, and I understand that when a debt is forgiven or written off, the IRS requires that a 1099-C be issued to the debtor.

Additionally, the account was reported as a profit loss by your institution, and I am seeking the necessary documentation for my records and potential tax purposes.

Please provide the 1099-C form for this account at your earliest convenience, as it is essential for my personal tax filings. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: MS

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: NJ

Complaint narrative:
The company Trans Union is reporting false and misleading account information on my consumer credit report, furnished from XXXX XXXXXXXX XXXX I have already reached out to XXXX XXXXXXXX XXXX and reported the account information as identity fraud. I submitted a request to Trans Union to block the information resulting from identity theft within 4 business days, but my request was converted into a 30-day dispute without my knowledge. Credit reporting agencies are supposed to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Unfortunately for me I am not experiencing fair treatment, and my consumer credit report is still not 100 % accurate. Please see attached legal complaint.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
Subject : Request for 1099-C for Canceled Debt I am requesting a 1099-C ( Cancellation of Debt ) form for an account that was charged off. The Discover Bank account in question was written off as uncollectible, but I have not received the 1099-C form, which I need for tax purposes and to address an ongoing legal issue. 

Account Information : The Discover Bank account was charged off and written off as of XX/XX/year>. The balance at the time of charge-off was approximately {$5100.00} Actions Taken : I have reviewed my records and confirmed that I did not receive the 1099-C form from the creditor. I am currently involved in a third-party lawsuit related to this account and require the 1099-C for tax reporting and legal purposes.I request that the 1099-C be provided as soon as possible so I can address the legal and financial implications of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XX/XX/year> I completed credit card application with laptop and the webpage malfunctioned. It appeared approved but another 3rd party took page and printed a denial thing.

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 2024-12-20 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: TX

Complaint narrative:
i have not supply proof under the doctrine of estoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX balance {$3700.00}, XXXX XXXX XXXX {$220.00}, XXXX XXXX XXXX balance {$1300.00}, XXXX XXXX Balance {$0.00}, XXXX of XXXX XXXX {$0.00}.

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 2024-12-20 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: CT

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: AZ

Complaint narrative:
I would like to dispute these inaccurate accounts on my credit report. 

Experian : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Date of inquiry : XXXX  XXXXXXXX XXXX XXXX Account Number : 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 2024-12-21 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: FL

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2024-12-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
IVE CONTACTED EXPERIAN THAT I NOTICED INACCURATE ACCOUNTS REPORTING 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 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I got a check signed over to me from my cousin with the amount of {$30000.00}, because she was unable to deposit it because she doesnt have an active bank account to deposit into so I happy to help her, we went up to chase to deposit it and it went thru check was on hold for XXXX business days from XXXX to the XXXX. I randomly received a letter from chase in the mail telling me my account is restricted and could be closed if I didnt contact them as soon as possible, once I called they told me the reason behind the restriction which was about the check that got deposit they told me I had to provide them with the number of the person who signed the check over to me so they could contact her and verify it I provided them with any information they needed and they told me the number I gave them to contact her wasnt under her name but it actually is under her name because she contacted her cell phone provider confirmed that is was multiple times chase still told me her number wasnt under her name everytime I called now they saying I have into the XXXX to verify or they will close my account permanently and want release my funds into than I dont know what to do at this point I have things to do I cant even XXXX shop for my kids because they have my acc restricted

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I lost my phone at the end of the day on XXXX at XXXXXXXX XXXX XXXXXXXX XXXX. This is my college. 

I recovered my phone on XXXX and found there were XXXX total transactions from my XXXX account to another person via zelle. These amounts totaled unto a grand total of {$1100.00} which was my entire bank account frozen. 

I immediately called XXXX the moment my phone was recovered and disputed these transactions. Within XXXX hours, they denied the claim and have provided me with no evidence or reasoning as to why this has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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:
It showed up on, y credit and I said it wasn't mine at least 12 times, i said prove it they never did, so I have at least 8-10 times more asked them to remove and prove they never do, I have email them, called them Mailed them, on line disputed and nothing works very rude people on the phone, At Experion, XXXX shows in closed accounts and other accounts and it is not collectable and is not my Debt

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 2024-12-21 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 urge you to carefully review this complaint, as it has been submitted with serious intent. My credit report contains mixed information, including accounts, transactions, and items that are entirely unrelated to me. This issue is deeply troubling and has caused significant stress and anxiety, as it directly impacts my financial standing and well-being.

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 2024-12-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
On or about XX/XX/XXXX, I went to a XXXX retailer located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I told the employee named XXXX I wanted a XXXX network pass. The network pass is a 3 month free trial while you keep your current service to compare the XXXX network. The only cost according to the employee was a {$10.00} for a sim card which I paid that day. After comparing to my current provider XXXX XXXX XXXX I found T-Mobile to be worse in terms of speed and reception. On or around XX/XX/XXXX, I again entered the store and told XXXX that the XXXX  was not a improvement. I asked if there was anything I needed to do to cancel the trial. He said I did not have to do anything on my end. On XX/XX/XXXX a derogatory creditor placed a {$150.00} unpaid collection account on my credit report. This is either deceptive advertising or inept work by the employee signing me up for a plan that was not the free trial. This has caused me wasted time, emotional distress and possibly a denial of a auto loan that I recently inquired for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation