vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
My credit card is from Chase ( XXXX XXXX ). 

My minimum payment due for my statement XX/XX/XXXX - XX/XX/XXXX is {$200.00} with a due date of XX/XX/XXXX. I availed of the promotion for the following : ( XXXX ) Annual Percentage Rate ( APR ) 0.00 %, Expiration date XX/XX/XXXX, Amount is {$8400.00} ( XXXX ) Annual Percentage Rate ( APR ) 1.99 %, Expiration date XX/XX/XXXX, Amount is {$10000.00} On XX/XX/XXXX I paid {$7000.00} and on XX/XX/XXXX I paid {$1400.00} totaling to {$8400.00} with the intention to pay off my promotional balance expiring on XX/XX/XXXX. 

When I received my statement for XX/XX/XXXX - XX/XX/XXXX, they allocated my payment to promotion ( XXXX ) because it has a higher interest than promotion ( XXXX ). Because of this allocation promotion ( XXXX ) expired and they are now charging me interest of 21.24 % and the balance now is {$8400.00}. 

I called the company and relayed my frustration and I was told that is their guidelines in applying the payments. It is very disappointing to get a reply like this if they are concerned with their clients interests. I paid my dues on time making sure to avoid higher interest in my balance. My request is to allocate the payment I made in XXXX  to the balance expiring XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Did not consent to unauthorized inquiries the inquiry was not authorized. 

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 2024-07-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Did not consent to unauthorized inquiries the inquiry was not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX ( ex girlfriend ) opened many lines of credit and loans including this one without my knowledge or consent, she stole my social security card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: IL

Complaint narrative:
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation 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 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 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 2024-07-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation 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 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My name is XXXX XXXX. My birthday is XX/XX/XXXX. My account number with Citi bank is XXXX. The last XXXX of my social is XXXX. The email associated with my Citi bank account is XXXX. the last working citi debit card I had was XXXX expiration date XX/XX/XXXX and security code XXXX. 

My new phone number is XXXX XXXX XXXX In early XX/XX/XXXX I requested a name change request form in accordance with my XXXX XXXX from Citibank. Citibank abruptly closed my account and stole all my money for over XXXX days. They kept lying they would admit to why they closed my account and send my check. They never sent my check of XXXX. 

I have XXXX XXXX from Citi bank 's XXXX XXXX they XXXX XXXX to in XXXX. In XX/XX/XXXX I went inside the XXXX XXXX branch of a Citi bank in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the night before. Citi bank refused to stop the card on that day and threatened to call police on me from reporing crime. The XXXX turned out to be XXXX XXXX with XXXX XXXX. My XXXX XXXX XXXX on XX/XX/XXXX by their associate, XXXX XXXX with XXXX XXXX. XXXXXXXX XXXX was shown on XXXX XXXX aka XXXX XXXX ' social media, XXXX of their XXXX accounts, the person who had stolen the card that citi refused to put a stop on even though I begged them to stop it because I had been XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I am now XXXX and being XXXX because Citi bank has stolen my XXXX XXXX XXXX XXXX XXXX  etc money these past over XXXX months since my account was closed. I have an XXXX XXXX on the XXXX and expect to XXXX XXXX XXXX transportation because I have no other way to pay rent if Citi does not get my check to me in time of my XXXX it froze/closed. I can not be transported due to that my XXXX XXXX XXXX XXXX XXXX XXXX and that my head has already been squeezed off partially from XXXX XXXX XXXX XXXX XXXX XXXX XXXX All transportation is fraud and XXXX XXXX XXXX XXXX XXXX XXXX 

Citibank must send my XXXX check overnight to 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 monetary relief
Consumer complaint received 2024-07-13 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:
I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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 2024-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: CA

Complaint narrative:
XXXX XXXX is still trying to collect on unauthorized charges the dealership has called and reached out to them to have it corrected but they refused to listen they even sent a check back to Westlake finance which they claim was sent to the address with out a XXXX XXXX XXXX refuses to remove the over charge of the warranty XXXX and XXXX and XXXX and other charges with interest.XXXX and myself have tried numerous of times to have the conversation on the contract the was wrong I have call serveral times over the course of the years and they refuse to hear anything or make notes on the account about the accuracy of the additional fees they should have been removed I have even reached out to XXXX about these charges and they play in my favor to resolve its is impossible to communicate they told me that I owe a balance after filing for XXXX XXXX XXXX and I gave permission for they to call me back still refusing to resolve they told me the account is written off and that they are trying to o repossess my vehicle when I have over paid the car was XXXX and I paid XXXX down but other unauthorized charges was add making my loan more then it should have been they refuse to give the title to my car I owe they nothing they owe me from what I over paid with interest

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: FL

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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 2024-07-13 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:
I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
For the past several months Chase has interfered with my ability to login to view my account which is necessary to both view and pay bills. 

The first problem is that the login page will tell me that the browser is no longer supported which has resulted in me having to install a new browser. I've had this issue on XXXX, and then XXXX, and then XXXX. 

Now I am on XXXX browser and on that browser they de-authenticate way too frequently. I went to login tonight and it said they don't recognize the device. I can not verify my account either because it only provides XXXX methods of verification, each requires a phone and my phone is XXXX There is no email verification option. 

I might be able to use someone else 's phone within a few days, but the issue there is connected to a complaint I previously filed [ XXXX ] in which they refuse to follow the XXXX  laws and update my account with my correct legal name no matter how many times I try so it's always a major hassle requiring multiple transfers before I can verify my account. 

According to my records I last was able to make a payment on XX/XX/XXXX for {$180.00} which included a late fee from not being able to login to pay in XXXX. Since I wasn't able to login in XXXX I expect there's another late fee. Since I still can not login now, if I can not get logged in within the next few days, I won't be permitted to pay and that will result in a negative on my credit reports which I'd like to avoid. 

I believe that this is intentional. By making it as difficult as possible to login they actively ensure that I pay them fees. Both the issues with logging in and the issues with them not updating the name on my account is likely connected to this motivation on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: IL

Complaint narrative:
Did not consent to unauthorized inquiries the inquiry was not authorized. 

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 2024-07-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Under 15 U.S. Code 1692eXXXX or misleading representations- ( XXXX ) you failed to notate this account was in dispute within XXXX days now this account in violation 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 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 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 2024-07-13 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy of the information being reported on my credit report after reinvestigation for the account on XXXX of XXXX listed below. This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX standards as outlined by the XXXX XXXX XXXX XXXX ( XXXX ) .Account Information : Creditor Name : XXXX XXXX bank account XXXX Opened : XX/XX/XXXX XXXX : {$10000.00} The above account information is inaccurately reported for the following reasons : Account states last payment XX/XX/XXXX on Experian but on XXXX XX/XX/XXXX. Also states that this account on Experian is late in XX/XX/XXXX but on XXXX closed.Reinvestigation Requirement under XXXX : According to XXXX XXXX guidelines and the XXXX  automated dispute system, this account has already been re-investigated and should not continue to be reported with potentially negative information. The continual reporting of this charged-off status and delinquency is incorrect.Consumer Law Violation : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), creditors and credit reporting agencies are required to report accurate information. The account was reinvestigated and resolved, thus the continued reporting of this account as charged off with a past due amount is misleading and damaging to my creditworthiness.Inaccurate Payment History : The payment history reported contains multiple inaccuracies : The charge-off status reported for XXXX and XX/XX/XXXX contradicts the reinvestigation results.The payment history reflects delinquency dates ( XXXX, XXXX, XXXX, XXXX, and XXXX days late ) that are inconsistent with my records and the reinvestigation findings.Account Status : The account is reported as " Closed '' with a status of " Charged Off, '' despite having been reinvestigated and resolved. This incorrect status must be updated to reflect the accurate and current state of the account.Given the inaccuracies and violations of both XXXX XXXX standards and consumer protection laws, I request that you immediately delete this account from my credit report. Enclosed are copies of my credit report with the disputed account highlighted, as well as any supporting documentation from the reinvestigation process. I am providing proof from the credit agencies to substantiate my dispute

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 2024-07-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i noticed my credit report had fraudulent activity.

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 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute unauthorized and inaccurate credit reporting that has appeared on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX. Under 15 U.S. Code 1681b ( a ) ( 2 ), consumer reporting agencies are required to obtain the consumer 's written consent before including certain information in their credit report. I have never provided such consent for the information that is currently being reported by your agency. 
Details of Disputed Entries : Creditor Name : XXXXXXXX XXXX XXXX Account Numbers : XXXX Dates of Unauthorized Reporting : XX/XX/XXXX - XX/XX/XXXX Additionally, according to consumer protection laws, a consumer credit card agreement and disclosure, also known as a cardholder agreement, is a legal document that outlines the terms and conditions of a credit card account. It includes information such as the annual percentage rate ( APR ), interest rates, fees, costs, and minimum payment calculations. Credit card institutions are required by law to disclose this information. 
A charge-off should not have a past due balance or be reported as past due once the account is sold. It is considered as income since the alleged account has been written off by the debtor. 
Inaccurate reporting of this charge-off account can be damaging and may be considered defamatory. Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e : Consumer reporting agencies must follow procedures to ensure the accuracy of the information in consumer reports.

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 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute unauthorized and inaccurate credit reporting that has appeared on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Texas XXXX. Under 15 U.S. Code 1681b ( a ) ( 2 ), consumer reporting agencies are required to obtain the consumer 's written consent before including certain information in their credit report. I have never provided such consent for the information that is currently being reported by your agency. 
Details of Disputed Entries : Creditor Name : XXXX XXXX XXXX Account Numbers : XXXX Dates of Unauthorized Reporting : XX/XX/XXXX - XX/XX/XXXX Additionally, according to consumer protection laws, a consumer credit card agreement and disclosure, also known as a cardholder agreement, is a legal document that outlines the terms and conditions of a credit card account. It includes information such as the annual percentage rate ( APR ), interest rates, fees, costs, and minimum payment calculations. Credit card institutions are required by law to disclose this information. 
A charge-off should not have a past due balance or be reported as past due once the account is sold. It is considered as income since the alleged account has been written off by the debtor.

Inaccurate reporting of this charge-off account can be damaging and may be considered defamatory. Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e : Consumer reporting agencies must follow procedures to ensure the accuracy of the information in consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-07-13 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief