vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 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: FL

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

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have opened a credit card with American Express - XXXX XXXX Business card I was charged the annual fee of {$190.00} on XX/XX/year>. I have cancelled the card on XX/XX/year>. Upon the American Express representative reading the closing disclosure to me- he has not mentioned that my annual fee will not be waived. This is the annual fee for the year that I have not used or will not be using. 

I have contacted American Express customer service a week after closure and asked to waive the annual fee. I said that the person who read me the cancellation disclosure has not mentioned to me about that the annual fee will not get refunded. They started a case number and said will get back to me around 1-2 weeks and sometimes longer. However, it has been a month and I haven't heard back. I called back to American Express and they said the case got declined. I contacted AmEx two more times after saying I dont want to pay for something I was not acknoledged and for the service I will not be using. Let alone the charge since XX/XX/XXXX I have not used the card. I will not be using the card since it is cancelled so I am paying for the 10 months of annual fee for the services I can't be using.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have R/C Resurgent Receivables trying to collect on an alleged debt for {$840.00} On XX/XX/2024, I sent a cease-and-desist letter along with a notarized letter requesting validation of the alleged debt along with a copy of the original wet pen agreement stating that I am indeed responsible for the debt. 
I requested that they provide me with the documents within XXXX days and if the documents were not forwarded within that time frame that the debt would be null and void. 
It has been more than 60 days, and it is negatively reporting on my credit report. 
This is my second attempt to have this item removed despite also being a victim of identity theft across all three bureaus. I'm absolutely begging to have this item removed as I have not given any written consent for anyone to report anything on my credit report. I have postal receipts to prove the dates in question along with photocopies. 

Thank you kindly,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On XX/XX/XXXX at XXXX, I called Barclay 's customer service XXXX on my wife 's behalf, to ensure a payment of {$7600.00} that I was about to make, would be properly credited to balance transfer promotion that was expiring XX/XX/XXXX. I was told by the Rep that it would be. This left balances of {$3400.00} and {$3600.00}, both with a promotional rate of 2.99 %, expiring on XX/XX/XXXX. On XX/XX/XXXX, I saw my statement, which showed an interest charge of {$170.00} and the promotional end dates of balances left were blank. This is when I sent my first secure message. Their answer was that it was a balance transfer fee although no balance transfer had taken place. I sent another message on XX/XX/XXXX questioning this. Their answer was they reserve the right to change how my payments are applied. More messages were exchanged on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, which resolved nothing. I have reduced the account to zero because I will not pay 30 % interest to anybody. I should not be paying {$170.00} in interest for last month plus the interest for this month. I called to avoid a situation such as this and yet here we are because of the disingenuous actions on the part of Barclays Bank.

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 2024-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Re Chase XXXX XXXX XXXX Credit Card ending in # XXXX On XX/XX/XXXX I paid a purchase at the XXXX by XXXX of {$7.00}. On the XX/XX/XXXX I was charged on the Chase Credit Card ending in # XXXX {$7700.00}. On XX/XX/XXXX my checking account with XXXX XXXX was charged {$15000.00} instead of the correct balance of {$8200.00}. Since the account was on auto pay full statement balance, I didn't notice until my checking account with XXXX XXXX was overdrawn due to the overcharge of {$7700.00}. I called the XXXX by XXXX, Chase Bank and XXXX XXXX to get this corrected. On XX/XX/XXXX I made an online payment of {$8200.00} so not to get charged interest, the payment was due on XX/XX/XXXX. On XX/XX/XXXX Chase gave me a credit of {$15000.00}. On XX/XX/XXXX Chase did a return payment of {$15000.00}. Chase issued credits on XX/XX/XXXX for {$7700.00} from XXXX and on XX/XX/XXXX {$7700.00} from XXXX. On XX/XX/XXXX I called the customer service # XXXX to get the interest charge of {$43.00} reversed and was transferred to XXXX, XXXX, XXXX in Texas - account supervisor, XXXX -claims disputes, customer service XXXX - supervisor and nobody was able to waive the interest charged on XX/XX/XXXX of {$43.00}. 

I'm looking for a credit of {$43.00} since this resulted due to Chase credit and returned payment on XX/XX/XXXX. 

Thank you in advance for your help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX XX/XX/XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX 

XXXX XXXX Department, XXXX XXXX XXXX, XXXX, GA XXXX. 

Request for Removal of Fraudulent Accounts Due to Identity Theft PLEASE REMOVE ACCOUNTS FROM CREDIT REPORT IMMEDIATELY XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Last 4 digit card XXXX Account XXXX, XX/XX/XXXX Account XXXX, XX/XX/XXXX Dear, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ] and XXXX XXXX XXXX Account XXXX : XXXX. 
I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 
Government -issued ID to verify my identity An Identity theft report filed with the Federal Trade Commission Proof of Residency Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 15 U.S. Code 168Xe ) 15 U.S. Code 1681 ( 1 ) 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 
Please remove immediately Thank you for your time and prompt attention to this matter. 
Sincerely, 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 2024-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CIG FINANCIAL LLC
State: OH

Complaint narrative:
I bought a car back in XXXX from XXXX XXXX an AutoNation dealer. I recieved an XXXX warranty and an XXXX XXXX warranty. I drove the car back from XXXX  to XXXX, and then down to XXXX. It broke down 24 days after purchasing it and roughly XXXX miles after owning it. XXXX  of XXXX took a week to get me my easy care information delaying repairs and now that I have the information XXXX is launching an investigation into why it broke down so quickly but they need the bill of sale. But they wont answer the phone. Additionally there are terms of the bill of sale that they havent completed almost a month after the fact. And I still dont have my tags. On top of all of this, when I took the car to my closest AutoNation dealer, as per the instructions, they denied me and told me to take it to XXXX after verbally telling me to bring it in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
My home was in foreclosure. I repeatedly tried to get the correct payoff from them. They never once would break down the correct amount. When the house was finally in Sheriff sale they had the right amount magically. It was XXXX less thess than they kept telling me on the phone. I was then able to just cash them out nd get the house out of foreclosure. With that being said they have promised on many occasions to report my loan as no payments late. I was late but only because they refused to work with me after XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




Inquiry 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 2024-10-25 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : 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 consumer 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 [ Installment loans, and Credit Cards ] from [ XXXX XXXX ] with a balance of {$0.00}, [ XXXX XXXX XXXX ] with a balance of {$550.00}, [ XXXX XXXX ] with a balance of {$210.00}, and XXXX XXXX XXXX XXXXXXXX XXXX ] with a balance of {$180.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # [ XXXX ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
, the account is open but I'm am unable to login to my online banking and all of my online banking information my name is XXXX XXXX XXXX my social security number is XXXX birthday is XX/XX/year> mother maiden name is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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:
U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN

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 2024-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
on XXXX and XXXX i had sold items at a local pawn shop i have done buisness with for over a decade. first transaction was for {$5000.00}, and the second was for {$4800.00}, and i recieved a check for both transactions. i deposited the first check into my account via mobile deposit, and the second one into my account via atm check deposit. A 7-day hold was placed on both checks which is understandable and reasonable as i have not had checks deposited to either of those sums prior.the first checks hold was released with no problem on XX/XX/XXXX, however on XX/XX/XXXX the day before the second check was supposed to have the hold released i recieved a call from bank of america fraud protection asking questions about the checks, what they were for etc. which is understandable and reasonable with the amount of money being dealt with. I thought the conversation went fine, however i went to check my account later that day and had seen that the account was locked online and when i called to figure out what was going on i was informed that my account was closed due to suspicion of check fraud. I then asked for a second review and gave them more information, as well as the contact information to the pawnshop i had done business with. i then contacted the pawnshop and asked if they had been contacted prior and they had not. they did inform me that said checks where posted to there account. as of the writing of this complaint on XX/XX/XXXX i was informed that the secondary review was complete and the account closure stands. and that any funds will be mailed to me after account closure has been finalized on XX/XX/XXXX. i also requested any and all information in regards to this issue and was informed that a letter would be sent informing me of the closure.

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 2024-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland credit Management has placed a debt in the amount of {$1100.00} onmy consumer reports without ever providing me notice I have requested to be provided proof of certificate of receipt with my signature being made aware I demand this be removed from all my reports as this is illegal and clear violation of my consumer rights this company has a history of this abusive conduct and I will seek legal remedies if this continues

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: FL

Complaint narrative:
in accordance with the Fair credit reporting act Account # XXXXXXXX XXXX XXXX XXXX has violated my rights.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: FL

Complaint narrative:
in accordance with the Fair credit reporting act Account # XXXX XXXX XXXX XXXX has violated my rights.

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.

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 2024-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
apply for an increase in my credit, got a ltr from navy i m delinquent in their accts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: NY

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts on my credit report, as I have been a victim of identity theft. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be removed from my credit file : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: NY

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts on my credit report, as I have been a victim of identity theft. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be removed from my credit file : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: VA

Complaint narrative:
My loan applications are being turned down because of inaccuracies in my credit history. Despite meeting all my financial responsibilities, these errors have hindered my ability to obtain loans and have been incredibly frustrating.

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