vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 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: NC

Complaint narrative:
Collector - XXXX XXXXXXXX auto finance The referenced account is disputed due to multiple discrepancies. 
The account listed on XXXX and TransUnion does not belong to me due to the provided account number being incorrect. XXXX is showing the last XXXX as XXXX, which is inaccurate. Therefore, I will not nor can I take responsibility of this account. 
Moreover, the vehicle associated with this account was repossessed on XX/XX/XXXX, yet my credit report does not reflect this ; instead, it erroneously shows a charge-off status. 
The remaining deficiency balance after the vehicle 's sale was {$5400.00} as of XX/XX/XXXX, but the reported balance for XX/XX/XXXX is inaccurate at {$7300.00}. The account 's balance for XXXX, XXXX, and subsequent months should have been {$5400.00}. Additionally, there are inaccuracies in the payment history on my XXXX file, inconsistent with the records provided by XXXX XXXX. Furthermore, there is no payment history on my TransUnion file and XXXX fails to report this information altogether. 
In addition, my payments were due on a monthly basis with my contract showing XXXX payments which is equal to 48 months. However, XXXX and Transunion show a term duration of XXXX  months. 
Each time this account has been disputed it was not noted by XXXX nor Transunion, and each time the resolution being that the account was updated. After further investigation each conclusion of a resolution, there were and remain no updates to the account. 
I demand the deletion of this account from my file due to these numerous inaccuracies, which violate FCRA 623. This serves as my final dispute notification. Per FCRA 623, I insist on the complete removal of this consistently inaccurate account.

FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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 information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2024-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Hello I have Nelnet XXXX XXXX I am unable to receive any information about this loan. Nelnet claims they are not the lender. I am unable to contact anyone from Federal student Aid regarding the lender and origination of this loan. Therefore I am unable to contact the lender. I have contacted Federal student Aid 3 times and I have never received a call back or email back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Received a phone from XXXX saying that there was a complaint filed against me. Phone call was transferred to a XXXX XXXX XXXX of XXXX XXXX XXXX in California saying that I owed about a {$1000.00} i a past due credit card charges. The card was issued by Chase Bank. 
I settled a card that I had with Chase in 2018 in the full amount I really don't know anything about this one. 
XXXX XXXX wanted {$150.00} now or he would take court action. He said call him at XXXX to let him know my intentions. 
When calling both numbers using XXXX, the calls would not go through. 
I was threatened with a lien placed against my car loan, and other possibilities. 
I don't know if this a scam or not but I have until the XXXX of XXXX to respond back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MD

Complaint narrative:
I asked them to close my account on XX/XX/year> and I have not received a check in the mail. When I called today they said there " was a glitch in their system '' and they put me on hold. While on hold I researched them on the web and saw that they were just fined {$3.00} million by the CFPB so I really became concerned. The agent came back on the phone and told me I'd have my check in 5 business days. Obviously I have XXXX confidence in receiving that money in that time frame, if at all, and this is causing me great distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts.

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 2024-05-13 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I signed up for the Hilton XXXX credit card understanding that there would be a {$200.00} statement credit every 6 months to be used at a XXXX resort property. In very small font on their Terms and Conditions page, it said any properties listed under XXXXhiltonXXXX  would be available to use for the {$200.00} statement credit. I chose a property on that list on XX/XX/2024. However, the statement credit never arrived, and I waited XXXX weeks to follow up since they said it takes up to XXXX weeks for the statement to arrive. I reached out to American Express, and the agent from American Express let me know that the website is actually something different : XXXX XXXX XXXX.hiltonXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  and unfortunately, the property I stayed at does not qualify. The agent then said I should be able to use my credit. However, the credit expires next month and I have no plans to travel next month. The incorrect website was listed under the Terms & Conditions, and I believe this is misleading and false information presented to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: MI

Complaint narrative:
Random charges that are XXXX or XXXX XXXX XXXX. It seems obvious to me it's a scam. I contacted my senators office and they are having me fill this out. 

It's a random charge I do not recognize and they refuse to show proof I owe. So a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX of Information : XXXX XXXX  ; XXXX XXXX XXXX, XXXX, VA XXXX Phone Number : Telephone Number Not AvailableReported For : OVERDRAFTS ; REPORT IS DISPUTED BY THE CONSUMER ( XXXX ) ; Reported Name : XXXX XXXXReported Address:XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX SSN/ID : XXXX License : State : Date of Closure : XXXX # : XXXX / XXXX Charge Off Amount : $ XXXX Status : UNPAIDClosure Status Date : XXXX. XXXX XXXX XXXX section XXXX A. XXXX 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

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 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Im writing today to express my concern over not only the poor customer service but also APR. My current APR is 29.99 % which seems to be a penalty rate. I currently have a XXXX balance on my account due to a balance transfer. Prior to my balance transfer I had about {$1800.00} balance. In the past XXXX Ive called multiple times requesting a lower APR and everytime I there isnt an offer available. I have an excellent payment history and even during the periods where my balance was XXXX I was never given an offer. Most recently I called to ask for a lower rate and was told yet again there is no offer. I filed a complaint and checked the status and was told today because there was no offer my complaint was closed. Im deeply troubled by the gross lack of communication and consideration Ive received from Amex. Its also disconcerting that every representative Ive spoken to gives me a different answer on account reviews. I was also told the complaint team would contact me and then told today then dont speak customers. I have consistently been lied to and mislead by American Express and not Im beginning to feel as if this is an intentional predatory practice. I have consistently been lied to and gaslighted. I just want to be told the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX : {$7000.00} Date Opened : XX/XX/2023 I signed up for an interest-free period of XXXX months when I obtained this credit card, with a credit line of {$7000.00}. Since then, I have consistently made payments above the minimum due every month. My due date falls on the XXXX of each month, and although I typically pay within one to five days assuming a grace period, I have never received any notification or indication during the payment process that late fees would be applied to my account.

Every month, I receive emails reminding me of my bill due date. Upon receiving these emails, I promptly
follow the link to the Syncrony Bank Care Credit Card website and make my payment accordingly. However, at no point during this process am I informed that a {$41.00} late fee would be added to my balance
or deducted from my payment, along with additional interest on these late fees.

Upon reviewing my account activity recently, I was shocked to discover that I have been charged {$41.00} late fees every month since XX/XX/2023, totaling {$490.00}. Additionally, there is an extra {$24.00} in interest on these late fees, bringing the total to {$510.00} for the year. This practice not only feels predatory but also highly deceptive, as it does not align with common business standards or ethical financial practices.

As you will see in my attached documents that where im guided to check out thats exactly how it has looked every month even though they were attaching late fees to the balance. The only way I discovered said late fees was through my activity tab. Additionally the the fees listed YTD on another attachment are falsely listed as only {$170.00} again confirming the deceptive practices Synchrony bank is pulling over on consumers.

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 2024-05-13 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: MD

Complaint narrative:
15 U.S. Code 1681b - Permissible purposes of consumer reports. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 information is inaccurate.

Notice to Agent is notice to principal notice to principal is notice to agent.

I have received a copy of my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a ( 2 ) a ( 1 ) ; ( 2 ) Exclusions. -- -Except as provided in paragraph ( 3 ), the term consumer report does not include -- - ( 1 ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Consumer transactions are excluded from the consumer reports. XXXX and or any other RISK score or algorithm that you use to calculate a consumer credit score is not a factor where the consumer report is concerned. Definition of what the consumer report means. 

Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing a consumers credit worthiness, credit standing, credit capacity, character general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes, ( B ) employment purposes ; or ( C ) any other purpose authorized under section1681 ( b ) of this title .15 USC 1681 ( a ) the definition of the consumer report does not include XXXX or XXXX which makes their factors or algorithms not a factor where the consumer report is concerned

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: MD

Complaint narrative:
15 U.S. Code 1681b - Permissible purposes of consumer reports. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 information is inaccurate.

Notice to Agent is notice to principal notice to principal is notice to agent.

I have received a copy of my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a ( 2 ) a ( 1 ) ; ( 2 ) Exclusions. -- -Except as provided in paragraph ( 3 ), the term consumer report does not include -- - ( 1 ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Consumer transactions are excluded from the consumer reports. XXXX  and or any other RISK score or algorithm that you use to calculate a consumer credit score is not a factor where the consumer report is concerned. Definition of what the consumer report means. 

Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing a consumers credit worthiness, credit standing, credit capacity, character general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes, ( B ) employment purposes ; or ( C ) any other purpose authorized under section1681 ( b ) of this title .15 USC 1681 ( a ) the definition of the consumer report does not include XXXX or XXXX which makes their factors or algorithms not a factor where the consumer report is concerned

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Amount stolen {$110.00} I attempted to pay off a debt that is reporting to the 3 credit bureaus under XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I was shopping at the local XXXX XXXX one afternoon, when I received a phone call stating that it was XXXX XXXX Bank, and they wanted to know if I had just purchased around {$110.00} worth of groceries, to which I answered yes. I then asked why, and was informed that they believed that there had been some fraudulent activity on my card, and would I have time to go over a few transactions to verify if I had been hacked or not, to which I replied absolutely, and the lady on the line went over around the last XXXX including the XXXX purchase. The XXXX prior weren't by me, and I let her know that. She then told me that she was going to credit those, keep my XXXX purchase on my statement, and close my card, it was no longer active, so I should just cut it up, and she would be sending me another one in the mail within the next XXXX to XXXX business days, which is what I did. I kept on getting statements on this card ending in XXXX, and I would call them every month, and explain the story to no avail. It just kept rising, so I told them it was not me, and I refused to pay for something I wasn't charging, nor because one of their employees didn't do their job that day like she told me she would. So I shouldn't be held accountable. They have since closed the account, and it has been sent to collections, and is revolving, and killing my credit score for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Delete Hard Inquiries In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency 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 ) ( a ) 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 information is inaccurate. 
Delete the accounts below :

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 2024-05-13 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: MN

Complaint narrative:
Account Number : XXXX Dear Sir or Madam, I am writing to dispute the reporting of an alleged debt under account number XXXX as listed on my credit reports with TransUnion, XXXX, and XXXX. This account was previously disputed and subsequently removed from my credit reports. I am astonished to see its reappearance, which I believe is due to a serious error or potential identity theft.

I have no knowledge of this account. Upon contacting the original creditor, XXXX, I was informed that the

account is categorized under a business account, which strengthens my belief that there has been a mistake or misuse of my personal information. As required by the Fair Debt Collection Practices Act ( FDCPA ), particularly under Section 809 ( b ), I am requesting immediate verification of this debt. This includes, but is not limited to, a copy of any contract or agreement I supposedly signed, and a detailed account statement showing the derivation of the balance claimed. Additionally, under Section 609 of the FDCPA, I am exercising my right to request all documentation that the furnishers have concerning this account, including proof of any original signed documents. Considering that this item could potentially be the result of identity theft, I formally request its immediate removal from my credit report pursuant to the guidelines of the FDCPA. Until and unless this debt can be fully verified and validated as mine, it should not be included in my credit history. Furthermore, I had no prior notification before this account was placed on my credit report, which is a violation of my rights under the FDCPA that mandates advance notice to consumers. This lack of notice prevented me from contesting the debt before it impacted my credit. Please treat this matter with urgency and ensure the removal of this unverified debt from my credit files. Should you fail to remove the item, I request a written explanation of the decision, including the certified documentation verifying this debt. I appreciate your immediate attention to this matter and expect a response within 30 days. Please send all correspondence and proof related to this dispute to the above address. Thank you for your cooperation. 

Sincerely, 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