vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
threaten to take me to jail and damage my credit I have asked them on multiple calls to please provide me documentation, and to stop calling my job and how did they get my credit information and also who gave them my work number. the call will not stop. and I have never had a account and wan them to stop harassment to stop. they are trying to make me loose my job. 

Individual Account Date reported XX/XX/year> Account status Unpaid Creditor Classification Utilities Original amount owed {$340.00} Original creditor XXXX XXXX XXXX XXXX Date assigned XX/XX/year> Agency CREDIT SYSTEMS INTERNATIONAL INC Status date XX/XX/year> Delinquency Date of last payment Balance owed {$340.00} Comments None Balance date XX/XX/year> Date of first delinquency Agency contact information CREDIT SYSTEMS INTERNATIONAL INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I have a letter from XXXX XXXXXXXX XXXX stating that they had a cyber attack on XX/XX/year>. My information was stored in the data so somebody was able to hack into my phone and use my digital banking and make fraudulent transactions. I tried contacting the bank multiple times to issue me a refund and I supplied Documents, supporting my claim along with the identity, theft report and the letter from the healthcare department and they refuse to refund my money US federal law states every debit card holder is authorized to provide provisional credit until then investigation is completed and they have not done so

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
TransUnion is unable to process my requests to view and/or freeze my account and subsequently my credit within the reporting bureau. TransUnion disabled my account for non-activity while both XXXX and XXXX have kept my accounts open and accessible to online login. Account recovery using TransUnion forces users such as myself to contact their support hotline, which frequently disconnects and is ultimately, functionally inoperable, forcing users to call back multiple times before being served. 

After waiting in their virtual queue for 20 minutes, the initial support representative reached out to me over the phone and sent the same link which asked me to call in to resolve the issue, setting myself back in the queue I had already waited through. This action additionally disconnected myself from their text support agent. Henceforth this failure to resolve the issue in a timely manner has led to the complaint being filed against TransUnion.

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The economy is bad and so is my credit report which is way much worse, which has inaccurate information on it causing me immense stress. Didn't know upholding my rights as a consumer is this frustrating it's making me depressed, I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.

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 2024-08-20 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I opened an account with Care Credit because I saw on their website that they offer XXXX % XXXX on XXXX  purchases if paid off within XXXX  years, so I applied and was accepted. I paid a funeral director {$6100.00} on XX/XX/XXXX with my Care Credit credit card number. I paid this funeral director even before I received my actual card in the mail. I used the chat feature on Care Credit 's website to verify that I was on the XXXX % XXXX promotion, and I was told that I was on the promotion by them on XXXX to XXXX different occasions. There is not a way to pull up chat history on their website. When I told the funeral director about Care Credit and how his company was not on their list of funeral services, he then called them and started the process of getting his business listed on their website. Suddenly, in XX/XX/XXXX, I saw that Care Credit charged me {$160.00} in interest charges. I called Care Credit and spoke to a manager named XXXX, who vehemently told me there was nothing she could do to help me, and I was for sure not on the promotion. XXXX asked me if I had contacted the funeral director, and I explained that I was the one who suggested he become a customer of theirs and to have his business on their website in order for other grieving families to be able to pay him off quickly when they bury a loved XXXX. I called the funeral director and he was going to speak to Care Credit for me to see if they would back date and put me on the XXXX  % APR promotion. I waited XXXX full week, and Care Credit and he never did speak to each other ; all the while, Care Credit was accruing more interest to charge me every day that I waited for a response. So, I paid the balance off at Care Credit, and I would like to be reimbursed for the {$160.00} I had to pay them for interest charges that they were deceptive in charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ XXXX ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: IL

Complaint narrative:
I need your help addressing an incorrect account on my credit report. This issue has harmed my reputation, and I require your immediate assistance. Your mistakes have caused great distress, and its crucial that you fix them so I can focus on my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: NV

Complaint narrative:
I have tried to contact this company regarding my alleged debt and they can not even give me the account number to pay this debt even if I wanted to.

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 2024-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
This account has been on my credit since 2020. They are reporting as normal debt agencies report, but are also reporting that my payment is late every month. I have never entered a payment plan with this company and would not have the possibility to have a late payment. I need this to be removed from my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have notified and submitted my identity theft report to the federal trade commission in regards to these fraudulent items on my report that need to be removed but as of now still have not.

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My account with Experian was never late! I have had exceptional payment history with XXXX XXXX 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. 


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 XXXX  days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-08-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. XXXX. ) What is your authorization of law for your collection of information? XXXX. ) What is your authorization of law for you collection of this alleged debt? XXXX. ) Please send evidence your authorization to do business or operate in the state of Texas XXXX. ) Please provide a copy of the purchase agreement of the alleged debt. XXXX. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have XXXX  ( XXXX ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

-- - XXXX XXXX XXXX # XXXX -- -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I was charged for something I didnt order. I paid the real balance owed and canceled the card XXXX months ago. I keep getting texts saying I had ordered XXXX XXXX XXXX  and owe {$380.00}. There is a {$600.00} bill on the canceled card that Citibank keeps trying to collect. I have called Citibank about XXXX times to no avail. I can only reach another person who cant deal with the situation and says they will transfer me. I get another person who cant help me. I only have XXXX subscription to XXXX XXXX premium that is valid until XX/XX/year>. I have paid for that. 
I will not pay a new balance on a canceled card and never used Citibank to pay for XXXX XXXX. This same situation has happened XXXX before! 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 2024-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
These accounts are showing false amounts. And accounts are too old on 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
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MD

Complaint narrative:
Company failed to furnish debt validation letter including Amount of the debt The name of the creditor Details about the original creditor Company License numbers and registered agent Account number The age of the debt The amount owed Proof i owe the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been trying for two years to cancel the Experian credit monitoring service, but they keep billing me. The inability to cancel an account online or over the phone, despite the fact that account creation is possible through these channels, is both inconvenient and unjust. The requirement to submit a letter with copies of personal identification documents for a simple account cancellation, coupled with the ongoing charges, is unacceptable. 

I request the immediate cancellation of any and all services provided under my account with Experian. This includes the cessation of any further billing or charges to my XXXX XXXX card for their credit monitoring services. 

I request they issue a refund of {$100.00} for each of the last two years of charges applied to my XXXX XXXX card ( XX/XX/XXXX and XX/XX/XXXX ) totaling {$210.00}. These charges were made against my wishes, as I have been unable to access or manage my account due to changes in my contact information and a lack of support from the Experian team.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Self Financial Inc.
State: CO

Complaint narrative:
Self lending from XXXX TX discriminating agency directly bullied me via email and phone. I opened self visa credit card and due to fraud and unauthorized transactions I refused to make payments because I have XXXX liability for fraud charges, bank failed to investigate fraudulent transactions in a timely manner therefore its unlawful for them to report falsely as a charge off, they also stole {$710.00} from me to cover for fraudulent transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES
State: AL

Complaint narrative:
On or about XXXX XXXX XXXX, I received approximately 10 collection letters from Zwicker & Associates , a debt collector regarding an alleged debt. I responded on XX/XX/year> by sending a debt validation request, exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ). Instead of providing debt validation, Zwicker and Associates filed two lawsuits against me on XX/XX/year> and XX/XX/year>. These two lawsuits pertained to 3 of those debt collection letters. After I sent the request for debt validation, Zwicker did not respond. I sent a NOTICE OF NONRESPONSE on XX/XX/year> and informed that they have failed to verify the debt within the 30 days that I allowed them in my dispute. They in turn have sued me in the XXXX XXXX Small Claims court for a breach of contract. At no time did they validate this debt or as per the terms and conditions that they attached in their complaint allowed for this to be handled in arbitration. I am requesting that they pay the {$1000.00} per debt collection letter filed against me in court prematurely. This will total {$3000.00}. ( They were previously advised that I had a change of address but continued to send correspondences to an old address. I informed that anything further would be returned to sender as they had my new address. ) 1. Failure to Validate Debt ( 15 U.S.C. 1692g ( b ) ) 2. Unfair and Deceptive Practices ( 15 U.S.C. 1692e ) 3. Harassment and Abuse ( 15 U.S.C. 1692d ) Codes Violated : - 15 U.S.C. 1692g ( b ) : Requires debt collectors to provide debt validation within 5 days of receiving a validation request. - 15 U.S.C. 1692e : Prohibits unfair and deceptive practices, including filing lawsuits without proper validation. - 15 U.S.C. 1692d : Prohibits harassment and abuse, including filing lawsuits intended to coerce payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in persons under 22 U.S.C. {$7100.00} ( 11 ) or XXXX XXXX  under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142. My credit report was affected by debt bondage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  in persons under 22 U.S.C. {$7100.00} ( 11 ) or XXXX XXXX under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142. My credit report was affected by debt bondage.

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