vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
PayPal changed their promotional financing minimum amount from XXXX dollars to XXXX dollars during this end-of-year holiday month. I do not believe they made a good faith effort to notify all their customers of this BIG requirement of a minimum purchase of {$99.00} to {$140.00}. The XXXX dollar minimum has been the norm for decades, and then all of a sudden, starting XXXX. XXXX?? They switch and customer service said they " sent out an email. ". 

This is a big deal, and I feel the CFPB should inquire why the CEO did not send out a " Front Page '' notification and have the customer base acknowledge the change. 

People purchased goods and services online knowing that the PayPal minimum was {$99.00} for years, then they state they " sent out an email ''? 

At the very least, when all account members log in, there should have been a major announcement before you continue to the site. 

Now instead of XXXX financing, all the consumers not aware will be getting a bill in XXXX thinking it's covered under the pre-XX/XX/2024, {$99.00} dollar minimum XXXX XXXX financing. 

Because the consumer was not properly notified, they could also get unjust finance charges for not paying the correct total amount due.

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 2024-12-29 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: NY

Complaint narrative:
Subject : Dispute of Inaccurate and Misleading Reporting for XXXX XXXX XXXX XXXX  Account To : Equifax and XXXX XXXX XXXX XXXX Date : XXXX/XXXX/XXXX Dear Equifax I am writing to dispute inaccuracies and violations under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws regarding the XXXX XXXX XXXX XXXX account appearing on my credit report. The misreporting of this account has directly impacted my ability to obtain credit and caused significant harm to my financial standing. 

Specifically, the following issues require immediate investigation and correction : Inaccurate Reporting of Charge-Off Status : The account is marked as CO ( charge-off ) for every month in XXXX. According to the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), furnishers of information are required to report accurate and complete information. Charge-offs are recorded as a single event, not repeatedly every month, as this creates a misleading impression of ongoing delinquency. 
Failure to Validate Debt : Under 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute the accuracy of information and request validation. I have not received proper validation or documentation of the alleged debt. If the creditor or furnisher can not verify the accuracy of this account, it must be removed from my credit report. 
Harm Caused by Outdated Information : Negative information, including charge-offs, can only remain on my credit report for seven years from the date of first delinquency per 15 U.S.C. 1681c ( a ) ( 4 ). The reported delinquency first occurred in XX/XX/XXXX, yet it appears inaccurately and continues to affect my credit profile unfairly. 
Impact on My Ability to Obtain Credit : The inaccurate and misleading reporting of this account has resulted in denials for credit and higher interest rates, violating my right to a fair and accurate credit report under the FCRA. 
Requested Actions : I respectfully request the following actions : Immediate investigation of the inaccuracies under 15 U.S.C. 1681i ( a ). 
Removal of repeated CO entries for XXXX and correction of any misleading payment history. 
Validation of the account details, including the original agreement, account ledger, and evidence of charge-off status. If this information can not be provided, the account must be deleted. 
Notification of corrections made to my credit report. 
Failure to address these inaccuracies and violations may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal remedies under 15 U.S.C. 1681n for willful noncompliance. 

Please provide written confirmation of your findings and any actions taken within 30 days, as required by the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zarzaur and Schwartz, PC
State: AL

Complaint narrative:
Zarzaur & Schwartz debt collectors, are telling me I owe a {$930.00} debt for XXXX  XXXX from 2019. The card was {$200.00}, not {$930.00}. ( 1 ) I did ask for a debt validation from the other 4 collectors prior to this one. Never received it at all -- they just kept selling the account and now these people have it. Is it legal? I have asked 4 different collectors for validation of debt paperwork to see WHY this is over {$900.00} and they just transfer and never acknowledge my request -- then I have to start all over. I thought there was a time frame for me to get that validation of debt? ( 2 ) I feel I'm being strong armed. They are aware I'm almost XXXX years old and on social security. I told them not to send any mail to this XXXX XXXX XXXX address XXXX weeks ago because I won't be here. They did anyway. They not only sent a large manilla envelope to me but it was UNSEALED. The flap was stuck inside the envelope, and I feel this was malicious knowing the people here would read my business and everyone along the way. This is a small small town. I am embarrassed, humiliated and angry. I told them I would be getting a po box when I got better for my mail being I am in line for an XXXX XXXX XXXX in XXXX TN. 
They disregarded everything I told them. I told them not to write me. They do anyway. I did give them my fax/email XXXX and they disregarded that as well. 
( 3 ) Thirdly, I also told them I do believe this XXXX  XXXX is in a bankruptcy I filed in 2019. I don't have the number to that XXXX  XXXX but it was filed and discharged. I asked them to look into this as well. 
( 4 ) I don't have any money or assets or any kind of money accounts anywhere. My car is XXXX years old. i am in XXXX XXXX XXXX. I am on social security. I'm just not sure what they want out of me, but they harass me quite a bit. 
Thank you for your time. 
NOTICE -- - you ask me for an address -- - I don't have my po box right now. I will get one next week, but the system won't let me go on without inputting an address. I will put the XXXX one but I'm not there. I don't want anything sent to this address. Fax/email me at XXXX. I will get back in touch with you when I get my po box next week for correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ALTHOUGH I already summit many complaints against XXXX XXXX XXXX and XXXX XXXX true the CFPB portal, these 2 companies went ahead and report on my credit report as a negative item. 

I requested many times signed and dated documentation between me and the above mention companies that shows that I have any business with and till this date they are not willing to provide me with any legal documentations. 

XXXX, Transunion and XXXX allowed these 2 company to report on my credit report with out the proper and legal documentation.

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 2024-12-29 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C Section 1681c-2 ) that you, the Transunion credit reporting agency block information appearing on my credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of credit cards and student loans XXXX XXXXXXXX XXXX {$440.00}, XXXX XXXXXXXX XXXX {$2300.00}, XXXX XXXX {$600.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$530.00}, XXXX XXXX XXXX XXXX XXXX XXXX  {$660.00}, Dep of EduXXXX {$13000.00}, Dep of Edu/XXXX {$3300.00}, Dep of Edu/XXXX {$1800.00} , Dep of Edu XXXX {$81.00} , Dep of Edu/XXXX {$2800.00}, Dep of EduXXXX {$1300.00}, Dep of EduXXXX {$420.00}, Dept of Edu/XXXX {$660.00} , Dept of EduXXXX {$1700.00}, Dep of EduXXXX {$2200.00}. Inquiries : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

The aforementioned accounts, collections and inquiries appearing on my consumer credit report that is being maintained by you was not opened, made or initiated by me and are a result of identity theft and fraud. I have attached a copy of my FTC identity theft criminal complaint 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 2024-12-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
They call my phone almost everyday and night seems like nonstop. From different numbers I ask them to stop I have even changed my number but they continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo changes my early direct deposit date from several days prior from SOCIAL SECURITY SSI, as DEPOSIT FALLS SOMETIMES PRIOR TO THE XXXX OF THE MONTH, then when my money is in my account as early direct deposit I have access to the funds, THEN WELLS FARGO CHANGES THE DIRECT DEPOSIT DATE TO THE XXXX, THEN CHARGE ME OVERDRAFT/ NSF FEES FOR THE MONEY USED ON THE EARLY DIRECT DEPOSIT. I could not have been able to make these charges, APPROVED, AT PURCHASE IF FUNDS WERE NOT AVAILABLE. Therefore consistently month after month for the last 6 months, charged me ILLEGAL OVERDRAFT/NSF FEES. I have been with WELLS FARGO FOR OVER 10 YEARS AND THIS IS COMPLETELY NEW SINCE THE LAST 6 MONTHS. ITS ILLEGAL AND FRAUDULENT!!! I will gladly provide documents when requested, unable to download bank account 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 monetary relief
Consumer complaint received 2024-12-29 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: OH

Complaint narrative:
I checked my credit report, and I saw some inquiries that I did not authorize. 

XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX I NEED THESE INQUIRIES REMOVED AS SOON AS POSSIBLE.

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 2024-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Have been paying extra since the beginning of my mortgage. Company has been crediting my account as future payments instead of applying to principal balance. Listen to consumer advise program where I learned this is a method companies use to cheat the customer out of legitimate savings when paying extra, previously unaware of this practice. Went over mortgage statement and found out that is what Chase has been doing in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am contacting you to inform you that I am a victim of multiple data breaches from XXXXXXXX XXXX XXXX XXXX & the dark web, etc therefore, I would need all of the accounts on my credit report that have been exposed and compromised to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
There is a car loan from XXXX XXXX that has reappeared on my XXXX XXXX. I have disputed the validity of this debt, and I have not received a response from the company. I would like this removed from my XXXX XXXX immediately in lieu of the Fair Credit Reporting Act.

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 2024-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital Management -Partial Account # XXXX. XXXX is alledged to be owed and is illegally reporting on my XXXX XXXX and XXXX credit reports. 
I dispute this debt in its entirety and was not given the opportunty to dispute this alledged debt that does not belong to me. Therefore, I will testify to this in a court of LAW. Jefferson Capital Services has commited very serious violations under the FCRA and FDCPA. 
I demand PROOF that I received the notice affording me the opportunity to dispute this alledged debt because I will sware under oath that I received absolutely NOTHING from your agency Jefferson Capital Systems initially inserted an alledged debt before sending me the notice/information as required under Law. 
I demand proof that I received the lawfully required information before your agency placed this erroneous information on my credit reports. 
I request proof in the form of mailing receipts etc. as proof of my receiving what is required under law. 
Additionally, my Privacy rights are being violated and I will seek legal representation to obtain monetary compensation as well if Jefferson Capital does not remove this erroneous information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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:
Dear Sir/Madam, I am writing to demand immediate action to address the inaccurate, damaging, and negligent reporting related to two XXXX XXXX accounts and a lawsuit filed against me that has since been dismissed for want of prosecution ( DWOP ). Despite my efforts over the past three years to provide evidence of identity theft, neither XXXX XXXX nor the credit bureaus ( XXXX, XXXX, and TransUnion ) have taken appropriate steps to resolve this matter. 

Here are the critical facts of this issue : 1. Identity Theft and Disputed Accounts : I was a victim of identity, a time during which two XXXX XXXX accounts in good standing were fraudulently used. 
I provided police reports and a Federal Trade Commission ( FTC ) Identity Theft Report to XXXX XXXX and the credit bureaus, documenting this crime and disputing the debts. 
Despite clear evidence that these debts were not mine, XXXX XXXX refused to acknowledge the theft or resolve the accounts appropriately. 
2. Lawsuit Filed and Dismissed : XXXX XXXX XXXX XXXX  pursued legal action against me in 2024, despite the ongoing identity theft dispute and my inability to pay for debts that were not mine. 
On XX/XX/year>, the court dismissed the case for want of prosecution ( DWOP ), with no judgment entered against me. This dismissal further supports my position that this debt is invalid and should not have been pursued in the first place. 
3. Credit Reporting Negligence : Despite the dismissal and my repeated disputes, all three credit bureaus continue to report inaccurate and derogatory information related to these accounts and lawsuit. 
The excuse provided by XXXXthat the lawsuit was filed and therefore can not be removedis baseless given that the case was dismissed, and the accounts were the result of identity theft. 
The continued failure to address this issue violates the Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair credit reporting. 

This negligence has severely impacted my credit standing and financial stability for years. The prolonged failure to remove fraudulent accounts and the erroneous lawsuit from my credit file has caused undue hardship, limiting my ability to rebuild after the closure of my business.

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 2024-12-29 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing to demand immediate action to address the inaccurate, damaging, and negligent reporting related to two XXXX XXXX accounts and a lawsuit filed against me that has since been dismissed for want of prosecution ( DWOP ). Despite my efforts over the past three years to provide evidence of identity theft, neither XXXX XXXX nor the credit bureaus ( XXXX, Equifax, and XXXX ) have taken appropriate steps to resolve this matter. 

Here are the critical facts of this issue : 1. Identity Theft and Disputed Accounts : I was a victim of identity, a time during which two XXXX XXXX accounts in good standing were fraudulently used. 
I provided police reports and a Federal Trade Commission ( FTC ) Identity Theft Report to XXXX XXXX and the credit bureaus, documenting this crime and disputing the debts. 
Despite clear evidence that these debts were not mine, XXXX XXXX refused to acknowledge the theft or resolve the accounts appropriately. 
2. Lawsuit Filed and Dismissed : XXXX XXXX XXXX XXXX  pursued legal action against me in 2024, despite the ongoing identity theft dispute and my inability to pay for debts that were not mine. 
On XX/XX/year>, the court dismissed the case for want of prosecution ( DWOP ), with no judgment entered against me. This dismissal further supports my position that this debt is invalid and should not have been pursued in the first place. 
3. Credit Reporting Negligence : Despite the dismissal and my repeated disputes, all three credit bureaus continue to report inaccurate and derogatory information related to these accounts and lawsuit. 
The excuse provided by XXXXthat the lawsuit was filed and therefore can not be removedis baseless given that the case was dismissed, and the accounts were the result of identity theft. 
The continued failure to address this issue violates the Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair credit reporting. 

This negligence has severely impacted my credit standing and financial stability for years. The prolonged failure to remove fraudulent accounts and the erroneous lawsuit from my credit file has caused undue hardship, limiting my ability to rebuild after the closure of my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing to demand immediate action to address the inaccurate, damaging, and negligent reporting related to two XXXX XXXX accounts and a lawsuit filed against me that has since been dismissed for want of prosecution ( DWOP ). Despite my efforts over the past three years to provide evidence of identity theft, neither XXXX XXXX nor the credit bureaus ( Experian, XXXX, and XXXX ) have taken appropriate steps to resolve this matter. 

Here are the critical facts of this issue : 1. Identity Theft and Disputed Accounts : I was a victim of identity, a time during which two XXXX XXXX accounts in good standing were fraudulently used. 
I provided police reports and a Federal Trade Commission ( FTC ) Identity Theft Report to XXXX XXXX and the credit bureaus, documenting this crime and disputing the debts. 
Despite clear evidence that these debts were not mine, XXXX XXXX refused to acknowledge the theft or resolve the accounts appropriately. 
2. Lawsuit Filed and Dismissed : XXXX XXXX XXXX XXXX  pursued legal action against me in 2024, despite the ongoing identity theft dispute and my inability to pay for debts that were not mine. 
On XX/XX/year>, the court dismissed the case for want of prosecution ( DWOP ), with no judgment entered against me. This dismissal further supports my position that this debt is invalid and should not have been pursued in the first place. 
3. Credit Reporting Negligence : Despite the dismissal and my repeated disputes, all three credit bureaus continue to report inaccurate and derogatory information related to these accounts and lawsuit. 
The excuse provided by Experianthat the lawsuit was filed and therefore can not be removedis baseless given that the case was dismissed, and the accounts were the result of identity theft. 
The continued failure to address this issue violates the Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair credit reporting. 

This negligence has severely impacted my credit standing and financial stability for years. The prolonged failure to remove fraudulent accounts and the erroneous lawsuit from my credit file has caused undue hardship, limiting my ability to rebuild after the closure of my business.

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