vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I opens up CareCredit card XX/XX/XXXX. XXXX. Made my first payment XX/XX/XXXX XXXX that is minimum. XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX payment. On XX/XX/XXXX I was charged late fee. Told they would wave late fee only one late fee was waived XX/XX/XXXX it said I had balance past due XXXX it wa incorrect I had made 3 payments to this card. CareCredit tell me beacause i didnt wait bill to print made payment early I owe them XXXX payment is due today Im gon na be charged late fee. Also told me that they never prossesed one of my payments that unfortantly theres nothing they can do proof they got money bank stamens Im not allowed to make payment early that payment is due XXXX of each mth

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 2024-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Genesis Credit sent me a bill stating that I owe them {$170.00}, that information is false. I called to inform the company that it was reported to the credit beaura and it is affecting my credit report. I do not owe any money to this company. This was all reported by XXXX to Genesis.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: PA

Complaint narrative:
I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: CA

Complaint narrative:
Today XX/XX/2024, I'm reaching out to the CFPB regarding an email I received about an account. I was contacted by " XXXX XXXX '' via email, stating I owe {$690.00} to " XXXX XXXX XXXX XXXX XXXX. '' This account, originating from a XXXX charge 11 years ago, should no longer impact my present or future, and I shouldn't be contacted about it after such a long period by the company or any third party representing them.

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 2024-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 information is 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 2024-01-25 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: CA

Complaint narrative:
I had my personal identity stolen and my Chase debit and credit cards information was compromised and was then used fraudulently to purchase several items in another state ( Florida ) and to secure another card without my knowledge. On XX/XX/XXXX, when I received the alerts from Chase Bank of these suspicious activities, I immediately notified the Customer Service Representative and preventive actions were taken and was told of other activities that was not authorized by me. I told the Customer Service Rep that I want to decline all the unauthorized transactions and would like to get reimbursed and will dispute them. Although some of the fraudulent transactions were caught on time and rejected, a few were able to make it thru and were posted on my bank statement and were disputed. On XX/XX/XXXX, I received a message from Chase that my disputed claim ( Claim # XXXX ) was denied based on their investigation as " authorized '' and therefore the amount of {$36.00} that was credited to my bank account will be taken back. It's the principle that counts and not about the small amount. 

On XX/XX/XXXX, I wrote a letter to the Claims Department in Texas to appeal this decision with all my supporting documentations and so far, have not receive any replies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it 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 2024-01-25 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:
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.

has violated my rights. Or a list of inquiries : 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 information is 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 2024-01-25 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: GA

Complaint narrative:
The debt has already been paid in full but it is still showing on my credit report as unpaid. 
Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Payactiv, Inc.
State: CT

Complaint narrative:
I transferred {$25.00} from my PayActive account to XXXX XXXX. PayActive withdrew {$26.00} from my account while only transferring {$25.00}. When I called, I was told that the XXXX dollar fee for XXXX XXXX is a new fee. I told him that the fee does not appear on their app or website, and it is not listed in the schedule of fees. They replied by saying it was a new fee and I shouldve received a pop-up message on their app. I did not receive any pop-up message. I told them that any information or disclosure of that XXXX dollar fee is not on their website or if no it is, then it is very difficult to find. I looked carefully to see if there would be a fee charged for a transfer to XXXX XXXX and I could not find that information so I went ahead with the transaction. I asked for a refund of the XXXX dollar fee and was told that it would not be possible. I told them that if you look at the transaction history, you will see that its not even listed as a fee. Its simply listed as a {$26.00} withdrawal with {$25.00} being transferred. How can they charge a fee that they do not disclose? How can they charge a fee without it being explicitly stated in the transaction? I did not withdraw {$26.00} from my account, I withdrew {$25.00} and they added a XXXX dollar fee. Its very deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: GA

Complaint narrative:
The information the company has is mine but the account isnt mine someone used my information and made an account without my knowledge! 

I DID NOT MAKE THE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: AZ

Complaint narrative:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: AZ

Complaint narrative:
Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS Delete this account. 
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it 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 explanation
Consumer complaint received 2024-01-25 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing this letter regarding the violations against me as a consumer by this credit bureau. 15 USC 1681 section 604 section 2 states ; In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.Furthermore, 15USC Section 1681b ( permissible purpose ) restricts the circumstances under which consumer reporting agencies like XXXX, XXXX, and XXXX can furnish consumer reports. This section explicitly states : " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions of the consumer to whom it relates. " The furnisher of information does not possess written consent from me to access my personal information. 
Therefore, Per the FCRA as a federally protected consumer, I am now opting out immediately and indefinitely of any and all transactions I the consumer may have given unknowingly. Written, Unwritten, verbal, or non-verbal per 15 USC 6802 for all the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am writing this letter regarding the violations against me as a consumer by this credit bureau. 15 USC 1681 section 604 section 2 states ; In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.Furthermore, 15USC Section 1681b ( permissible purpose ) restricts the circumstances under which consumer reporting agencies like XXXX, XXXX, and XXXX can furnish consumer reports. This section explicitly states : " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions of the consumer to whom it relates. " The furnisher of information does not possess written consent from me to access my personal information. 
Therefore, Per the FCRA as a federally protected consumer, I am now opting out immediately and indefinitely of any and all transactions I the consumer may have given unknowingly. Written, Unwritten, verbal, or non-verbal per 15 USC 6802 for all the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MOHELA
State: TX

Complaint narrative:
I owes Mohela XXXX dollars. Mohela took XXXX  dollars. Mohela has owed me almost XXXX dollars for over a month. The representative keep telling me they will eventually pay me back, but they have not paid me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have never had such a horrible experience with a company, financial or otherwise. Their incompetence is mind blowing. 

I wanted to pay off an auto loan with 5/3 bank and called CS to make the payment. The outsourced rep told me that she would be able to take care of this for me. But after giving the account number, I was told that I would have to be transferred to the rep that handles the auto loans. OK. I was transferred not less than 4 times, and was finally told that I would have to do it through the online app. We tried to set up an online account but was then prompted to call customer service again. We called customer service, and was told to use the app. I told her about the issues we were having, and she said that we needed to either XXXX XXXX it or wire it from my bank because that was the ONLY way it could be done. I had to call them back 3 different times, because their routing/account information they gave me was incorrect! Finally, the wire went through my bank to theirs. A few days later, I received notification from my bank that the payment I sent to 5/3 bank had been reversed. I wasn't sure what was going on, so I resubmitted my payment to them. Yesterday, they reversed the payment again. We called the bank to ask why. Initially she said that looking at my account, she sees that they only received {$210.00} of the {$220.00} due and that's why it was returned. I told her that was interesting, because 5/3 returned {$220.00} both times. If I had sent you only {$210.00}, why did you send back {$220.00}? ( My bank records back this up, of course ). I told her I'm not sure why she was lying, and asked again why the money was rejected. She then changed her story and said that I should check with my own bank to ask why the money was returned. I asked her, " why would I ask my bank why YOU reversed my payment? '' I asked to speak to a supervisor. She said there were no supervisors available. Shocking. 

The fact that this scam " bank '' is allowed to carry on ANY financial transactions, is criminal. I don't know how they are still in business. And I guess the execs and higher ups are being paid very well, so why should they care about what's happening down here...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: PA

Complaint narrative:
I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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