vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: IN

Complaint narrative:
On XX/XX/year>, I applied for an installment loan and was approved with Balance Credit through XXXX XXXX XXXX. The total loan amount was {$2100.00} with an annual percentage rate of 224 %. In addition to this, they also tacked on a finance charge of {$3200.00}. It was my understanding that I would have a single monthly payment, but after signing the contract, I discovered that they would be taking payments twice a month from my bank account. The total I was supposed to pay back according to the contract was {$5300.00}. In the contract, they listed 26 payments total, but failed to include the daily accrued interest, making the loan much more expensive than promised. Every time I made a payment, the outstanding principal would actually go up - meaning I could not make any progress paying down this loan and was actually paying much more than what was agreed upon. The contract also specifies that if the interest rates being charged exceeded the maximum allowed in XXXX, they would refund the money paid as this is not a legal loan. It is my understanding that they are violating usury laws in both XXXX  and XXXX. XXXX XXXX XXXX  is not licensed in the state of XXXX and Balance Credit has other consumer complaints online in several different places for the same misleading and predatory practices. I emailed them, telling them that I didn't believe this was legal and they responded with their assurance that it was. Because none of the money being given was going to principal, I revoked my ACH permissions on or around XX/XX/XXXX. I'm not in default yet and told them i'm happy to pay the agreed upon amount, but I needed to know that the principal would be paid. They did try to call several times during my workday, but I prefer to keep all correspondence in writing and could not break from meetings anyway. They also made sure that I was aware that they would report me to the credit bureaus and harm my credit score if I did not comply. The entire process was misleading, rushed, and is not operating in line with the contract. Also, in the correspondence they referred to me as someone named XXXXXXXX which could mean they are not properly safeguarding consumer data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Id like to make a motion to dismiss the collection on your account for CitiXXXX XXXX because there is no assignment agreement-this is not my debt, and XXXX has failed to provide me validation of this debt. The account number is XXXX. They are claiming the debt is for {$7900.00}. 

Also, this account was purchased by XXXX XXXX. XXXX XXXX  and XXXX XXXX has failed to show me a purchase agreement, or assignment agreement. Also, the law firm that is handling this debt for XXXX XXXX  is not licensed in the state of Arizona. According to AZ revised statute, 32-1055, debt collectors must apply and obtain a license with XXXX XXXX XXXX XXXX  in order to collect a debt in arizona. The law firm-XXXX  XXXX , XXXX is not licensed in Arizona to do business.. LVNV XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah This letter is formal complaint that they have ignored my formal request, and failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports that they publish. Credit reporting laws ensure that bureaus report only 100 percent accurate credit information and every step must be taken to ensure the information reported is complete, accurate, and correct. 

The information must be deleted from my credit report as soon as possible. The information is inaccurate and misleading and as such, represents a very serious error in your reporting. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel and relief through the courts, and file complaints with the regulatory enforcement agencies, including the CFPB, FTC, and my state attorney general. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well to be provided within 15 days of the completion of your reinvestigation. 

Sincerely yours, XXXX XXXX XXXX here

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 2024-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
was a victim of ID Theft. There are accounts on my TRANSUNION Credit Report that are fraudulent and do not belong to me. I have already filed a FTC Report. The accounts are as follows : XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XX/XX/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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In XX/XX/year>, my family and I booked a stay at XXXX XXXX, managed by XXXX XXXX. Due to the size of our group ( XXXX individuals ), we reserved two rooms. Shortly after check-in, one of the rooms became flooded and uninhabitable, forcing my entire family to stay in a single room. Despite informing the hotel staff and requesting to be moved to another room, we were told that no other rooms were available as the hotel was fully booked. 

Upon our return home, I contacted Chase Disputes and contested the charge for the unusable room. I provided extensive evidence, including photographs and communications with the property. In XXXX, I received a notification from Chase confirming that the dispute was ruled in my favor, and the credit for the room would be permanently applied to my account. 

However, on XX/XX/XXXX, I observed a new charge from XXXX XXXX on my account. I immediately contacted Chase and explained the situation. The representative indicated that the merchant had likely manually re-entered my credit card number and recharged me for the previously disputed amount. This unauthorized charge was deemed fraudulent by Chase, and the representative advised me to obtain a new card, subsequently locking my old card. 

Despite these measures, this month, I noticed yet another charge from XXXX XXXX. When I called Chase again, I was informed that since the merchant had proof that I physically handed them my card, it was not considered fraud. I explained the complete timeline to XXXX this morning, who concurred that the merchant had no legal right to rebill my card after Chase had ruled the dispute in my favor in XXXX. 

It is my firm belief that the XXXX rebilling of the charge by the merchant constitutes fraud, as it was not authorized by me. I urge you to address this issue promptly and ensure that the fraudulent charge is permanently removed from my account. 

I have contacted Chase Disputes yet again and have not received a resolution. 

Thank you in advance for your attention to this matter. I look forward to a swift resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I am writing to formally request validation of the debt that you have contacted me about, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), Section XXXX09 ( b ), 15 U.S.C. 1692g.

Please provide me with the following information to validate this debt : 1. The original creditors name and address. 
XXXX. The amount of the debt, including an itemized breakdown of any fees or interest. 
XXXX. Proof that I owe the debt, such as a copy of the original contract or agreement signed by me. 
XXXX. A complete payment history, starting with the original creditor, to verify the amount owed and any interest or fees applied. 
XXXX. Proof that you are licensed to collect debts in my state, including your licensing number. 

Please be aware that under the FDCPA, I have the right to dispute the debt within 30 days of receiving your initial communication. Until you provide proper validation, I request that you cease all collection efforts, including reporting this debt to any credit reporting agencies. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TRANSUNION. Please delete the following accounts : XXXX XXXX XXXX XXXX Balance {$14000.00} XXXX XXXX XXXX Balance {$0.00} U.S. DEPARTMENT OF EDUCATION XXXX Balance {$4000.00} U.S. DEPARTMENT OF EDUCATION XXXX Balance {$6400.00}

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, EQUIFAX and XXXX. Please delete the following accounts : XXXX XXXX XXXX XXXX Balance {$14000.00} XXXX XXXX XXXX Balance {$0.00} U.S. DEPARTMENT OF EDUCATION XXXX Balance {$4000.00} U.S. DEPARTMENT OF EDUCATION XXXX Balance {$6400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: OH

Complaint narrative:
XX/XX/year>, I ordered a jacket didn't receive the jacket, it took to long they say it was here in XXXX, 2023 I didn't need it by then, other issues occurred, anyway don't have it still paying for the jacket to keep my credit in good standards. Need help with this issue!!! Asap thanks.

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 2024-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I am writing in response to your recent correspondence regarding an alleged debt in your possession. 

According to your communication, you claim that I owe a debt to National Credit Services. Before any further action is taken, I request that you provide me with validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : 1. The original creditor 's name and contact information. 
2. The original account number associated with the debt. 
3. The date the debt was incurred. 
4. The total amount of the debt, including any fees or interest. 
5. Documentation establishing your ownership or authority to collect this debt. 

I am exercising my rights under the FDCPA to ensure that the debt is valid and that I am dealing with the rightful owner of the debt. I also request that all collection activities cease until the requested information is provided and the debt has been validated. 
Please be advised that failure to validate the debt within the statutory timeframe will result in me disputing the validity of the debt and pursuing further legal action as necessary to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST LVNV FUNDING LLC O/R Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX, SC. XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: Financial Business and Consumer Solutions.
State: TX

Complaint narrative:
XXXX XXXX sent me a notification on XX/XX/year> of a data breach which has improperly shared my personal & credit information. The notice indicates that XXXX XXXX  and constituent Financial Business and Consumer Solutions , Inc. ( FBCS ), a third-party debt collection agency network was compromised and personal information was stolen by unauthorized parties.

Company response to consumer: Untimely response
Consumer complaint received 2024-09-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act Convergent Account # XXXX has violated my rights twice. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and 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 2024-09-21 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: FL

Complaint narrative:
I filed a complaint against XXXX XXXX XXXX XXXXXXXX because of an unknown account. They replied back on XX/XX/31 stating that all collection attempts h will be ceased and that they will remove this from my credit file. I have attached the XXXX XXXX response with authorization code.

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 2024-09-21 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: NJ

Complaint narrative:
was a victim of ID Theft. There are accounts on my XXXX Credit Report that are fraudulent and do not belong to me. I have already filed a FTC Report. The accounts are as follows : XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by Transunion. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/2024, I submitted a dispute to Transunion regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After reviewing my credit report, I noticed several accounts listed that did not belong to me. I reached out to the creditors and asked them to validate these accounts, and I never received a response from them. I'm asking that these accounts listed on the attached documentation be removed 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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After reviewing my credit report, I noticed several accounts listed that did not belong to me. I reached out to the creditors and asked them to validate these accounts, and I never received a response from them. I'm asking that these accounts listed on the attached documentation be removed from my credit report.

Company response to consumer: Closed with non-monetary relief