vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Statement dated XX/XX/23 had a balance of {$5100.00} due on XX/XX/23. That statement covered the period XXXX. Before the due date, I made two additional purchases in amount of {$640.00}, which were also paid the same day. I paid off the card in full ( statement balance plus the {$640.00} additional purchases ) on XX/XX/23 and my account reflected a {$0.00}. I then locked my card. I had to make an emergency purchase today ( XX/XX/23 ) and was initially declined and realized I had my card locked, so when I logged on to unlock my card I see a balance of {$83.00} and was confused. I look and see that despite my card being paid in full within the grace period, Barclays was now assessing me interest charges. I have never been assessed charges if balance paid in full or if paid over the minimum balance due ( please refer to prior months statements I am attaching. 

Also according to their own policy in my statement about interest : " Accrual of Interest and How to Avoid Paying Interest on Purchases. Your due date is at least 23 days after the close of each billing cycle. On Purchases, interest begins to accrue as of the transaction date. However, you can avoid paying interest if you pay your Purchases subject to interest ( excluding XXXX XXXX Offers ) plus any monthly XXXX XXXX Payment Amount in full by the Payment Due Date every month '' They specifically state you can avoid interest if you pay your Purchases in full by Payment Due date. Which I did. 

I am not disputing any month where I was assessed interest and carried a balance ( See XXXX I was assessed {$67.00}, but I also had carried a balance over so that is fine ). I am disputing as I paid in full before due date so was within grace period. And as you can see in prior months I was also not assessed interest even when carrying a balance over. I want the interest reversed as account balance was paid off well within the grace period. They are using deceptive practices and don't even follow a consistent pattern when interest could have been assessed legitimately. 

Consumers need to be aware of these shady practices by financial institutions.

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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX XXXX. Under 15 USC 1681 15 U.S.C 1681 section 602 A. States I have 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. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.

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 2023-10-27 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: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I am a victim of Identity theft. I did not authorize anyone to use my personal information and credit cards to make transactions with this company. This account should stop and block furnishing information to any credit reporting agency immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: KY

Complaint narrative:
I am challenging four different reports of late payment and one report of a " write off '' from XXXX when the loan is current and I've not stopped making payments. 

I'm filing this complaint against XXXX, XXXX AND EXPERIAN XXXX XXXX. Im disputing the WRITE OFF and the two late payments XXXX XXXX and XXXX. I am current with their collections department, XXXX XXXX XXXX, and it is not being reported as such. 

XXXXXXXX XXXX. I'm disputing late payments in XXXX ( XXXX, XXXX, XXXX and XXXX ). XXXX ( XXXX and XXXX ) and. XXXX ( XXXX ). 

XXXX XXXX XXXX. Im disputing XXXX ( XXXX ) and XXXX ( XXXX ). 

XXXX XXXX XXXX XXXX disputing XXXX ( XXXX, XXXX and XXXX ) and XXXX XXXX. 
XXXX. Im disputing XXXX XXXX and 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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed complaints with TransUnion, XXXX, and XXXX for reporting incorrect information on my credit report. I provided a list of the accounts and informed them of the infractions they were committing against my consumer report. They have not responded after more than 60 days. I have copies of every letter that was sent below.

The failure to label this disputed account as disputed by the corporation is a violation of FCRA 623 ( a ) b ).

If the period has also been violated as of the date of the final action on this account, then 605 ( c ) is in effect. When it needs to show the most recent payment date.

According to the FTC 's ruling, this firm has consistently neglected to validate this collection account, further violating FDCPA 809b.

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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed complaints with XXXX, XXXX, and Experian for reporting incorrect information on my credit report. I provided a list of the accounts and informed them of the infractions they were committing against my consumer report. They have not responded after more than 60 days. I have copies of every letter that was sent below.

The failure to label this disputed account as disputed by the corporation is a violation of FCRA 623 ( a ) b ).

If the period has also been violated as of the date of the final action on this account, then 605 ( c ) is in effect. When it needs to show the most recent payment date.

According to the FTC 's ruling, this firm has consistently neglected to validate this collection account, further violating FDCPA 809b.

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 2023-10-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Following the FCRA, XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 - section 604a section 2 states that a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666b -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
In accordance to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: FL

Complaint narrative:
REQUEST FOR REMOVAL AS AUTHORIZED USER OF CREDIT CARD A/C TITLE XXXX ACCOUNT NO. XXXX I hope this letter finds you well. I am writing to formally request the removal of my status as an authorized user of the Credit Card of Account No. XXXX titled as XXXXXXXX XXXX 

After careful consideration and review of my financial circumstances, I have decided that it is in my best interest to discontinue my status as an authorized user on the aforementioned Credit Card. I greatly appreciate the opportunity that XXXX XXXX  has provided me, and I am grateful for the positive experiences I have had as an authorized user. 

I understand that there may be necessary administrative processes to complete to remove me as an authorized user. I kindly request your assistance in initiating these procedures to ensure a smooth transition. 

I am committed to ensuring that this transition is carried out in a seamless manner and would be more than willing to cooperate with any requirements from your end. I recognize that there may be a timeframe required for this request to be processed and implemented, and I appreciate your understanding in this matter.

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 2023-10-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
REQUEST FOR REMOVAL AS AUTHORIZED USER OF CREDIT CARD A/C TITLE XXXX, ACCOUNT NO. XXXX I hope this letter finds you well. I am writing to formally request the removal of my status as an authorized user of the Credit Card of Account XXXX. XXXX titled as XXXX XXXX. 

After careful consideration and review of my financial circumstances, I have decided that it is in my best interest to discontinue my status as an authorized user on the aforementioned Credit Card. I greatly appreciate the opportunity that XXXX XXXX  has provided me, and I am grateful for the positive experiences I have had as an authorized user. 

I understand that there may be necessary administrative processes to complete to remove me as an authorized user. I kindly request your assistance in initiating these procedures to ensure a smooth transition. 

I am committed to ensuring that this transition is carried out in a seamless manner and would be more than willing to cooperate with any requirements from your end. I recognize that there may be a timeframe required for this request to be processed and implemented, and I appreciate your understanding in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
REQUEST FOR REMOVAL AS AUTHORIZED USER OF CREDIT CARD A/C TITLE XXXX, ACCOUNT NO. XXXX I hope this letter finds you well. I am writing to formally request the removal of my status as an authorized user of the Credit Card of Account XXXX. XXXX titled as XXXX XXXX. 

After careful consideration and review of my financial circumstances, I have decided that it is in my best interest to discontinue my status as an authorized user on the aforementioned Credit Card. I greatly appreciate the opportunity that XXXX XXXX  has provided me, and I am grateful for the positive experiences I have had as an authorized user. 

I understand that there may be necessary administrative processes to complete to remove me as an authorized user. I kindly request your assistance in initiating these procedures to ensure a smooth transition.

I am committed to ensuring that this transition is carried out in a seamless manner and would be more than willing to cooperate with any requirements from your end. I recognize that there may be a timeframe required for this request to be processed and implemented, and I appreciate your understanding in this matter.

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 2023-10-27 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: MA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report that I have reported to XXXX. On XX/XX/XXXX, I contacted XXXX about the following incorrect information on my credit report, and to this date, they have not responded. The details of the inaccurate information and the required corrections are as follows : The following account is not mine : Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$10000.00} Please remove it from my credit report. 

The following account was never late : Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX : {$2000.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$520.00} Please correct/update this inaccurate information on 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 2023-10-27 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-27 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: FL

Complaint narrative:
I opened a Discover XXXX Debit Card Checking account. I made a payroll direct deposit to the account. Discover promised a debit card via USPS on XX/XX/XXXX, no card arrived. I was told it could be as long as XX/XX/XXXX. 

On Friday XX/XX/XXXX I attempted to transfer funds FROM Discover to my XXXX XXXX account. Discover WOULD NOT ALLOW THE TRANSFER because " we do not have a relationship with XXXX XXXX. Over time you will be able to transfer. '' Excuse me? 

a ) What legitimate fiduciary " does not have a relationship '' with another fiduciary? 
b ) I have ZERO access to my funds This is INEXCUSABLE banking behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/ I filed a dispute with chime bank for a purchase. In the midst of the dispute I spoke with the company that purchase was made with and they issued a refund. Chime denied my dispute and did not release my refund. Chime stated that the company did nothing wrong. I was told I was filing rebuttals to the dispute to overturn it to get the refund but chime would only send the original dispute form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Got a hard inquiry on my credit report from Capital One. I did not authorize this. I did not apply for anything from Capital One or it's subsidiaries. Called them and apparently i have an account with them and credit of {$2000.00} without my knowledge or consent. They refused to close this account or do anything to repair the problem. I have not required anything from this company and I don't want anything from Capital One other than them removing this hard inquiry and close that account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: VA

Complaint narrative:
In XX/XX/2023, a merchant by the name of XXXX got into my account and took {$150.00} out. This person is a scammer. I reported it to my bank which is Chime who started an investigation into this. The bank gave me back my XXXX XXXXXXXX. On XX/XX/2023, chime took back {$150.00}. Which is more than the merchant got. I called and asked for another investigation and it was denied because they agreed with the merchant. I explained that I did not know who XXXX was and the support stated that was all that was on them. Chime took more money than the XXXX took out of my account and refused to refund me money. This XXXX is a scammer and I would like someone to stop them. I also filed a complaint with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I originally had this card when it was XXXX  and never had a problem in making payments but when it changes to comenity bank it was always an issue with log in or multi system down trying to set up payment. Its like they purpose locked their system so you couldn't make a payment or time. They have poor customer service .long log in times. They have attacked my credir score because no matter how many times i send them payments they are over charging me in late fees calling me 20 times a day even when i making payments. Big issues is their online payment is always broken or doing up dates so you cant make a payment and they block u the datw you aew trying to pay them on time so they can keep charging you out rages fees. I want them to remove these crazy late fees and remove this late credit ni score n i have paid them every month

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, equifax, and XXXX keeps reporting inaccurate info on my consumer profile.

Company response to consumer: Closed with non-monetary relief