vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I had been paying on a deferred-interest balance at 0 % interest that was set to expire on XX/XX/2024. As of my XX/XX/XXXX statement, I had a balance of {$970.00} due by XX/XX/XXXX in order to avoid interest of 19.99 %. 
On XX/XX/XXXX, I initiated a deferred-interest offer for 0.99 % interest. 
On XX/XX/XXXX, I made a payment of {$500.00}. The minimum payment due was {$20.00}. 
On XX/XX/XXXX, I made a payment of {$520.00}. The minimum payment due was {$27.00}. 
The credit card company applied most of these payments to the new deferred-interest offer. I meant to pay off the XXXX expiration offer and put a {$45.00} payment toward the new offer. 
It is hard for me to track all this using just their statements, because they make absolutely no sense to me, so I have my own records to track these expenses. 
On XX/XX/2024, I looked at my XX/XX/XXXX credit card statement to verify that the XXXX expiration offer was paid in full and much to my surprise, it wasn't. I looked on their website for information and found information regarding reallocation of payments. It said to chat with their XXXX XXXX so I interacted with their XXXX XXXX and got nowhere. I tried again the next day and managed to chat with a person. She tried so hard to help me but the system did not allow her to reallocate the payments nor remove the interest. She gave me the customer service phone number because she couldn't help and explained that they would be able to help me. 
I immediately called and spoke with a customer service representative and she couldn't do anything for me either. She explained that the system is programmed for application of payments and that there is nothing to be done. She also told me that I needed to make a payment of {$450.00} in order to pay the 0 % offer in full because now it is 19.99 % and it is the offer with the higher interest and payments will be applied to it first. 
However, they are not in full compliance with the Credit Card Act. This rule stipulates, among other things, that in the two billing cycles before a deferred-interest offer expires, the issuer must apply any amount paid over the minimum payment to the deferred-interest balance first to pay it off so that interest is not charged. That didn't happen with this company. 
The credit card company is Citi 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 2024-04-20 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 looked at my report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates these accounts. 

These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are NOT complete and accurate. 

The original balance is inaccurate and conflicting The last payments are inaccurate and conflicting The date closed is inaccurate and wrong. 
The dates of the monthly payments reported are inaccurate and conflicting.

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 2024-04-20 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 looked at my report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates these accounts. 

These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are NOT complete and accurate. 

The original balance is inaccurate and conflicting The last payments are inaccurate and conflicting The date closed is inaccurate and wrong. 
The dates of the monthly payments reported are inaccurate and conflicting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Someone first has charged something on my account in XXXX, New York. However I live in XXXX, Va. Fraud company called my phone to shut the card down. That was successful. Then another card was opened in my name. This caused me to believe that someone has my security number. This is why Im making this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: GA

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on them, and the company proceeded without my approval.

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/2024 I sent out a letter to Experian about the fraudulent accounts on my credit report. It's been more than a month and the items on still on my report. I have not heard back from Experian in more than a month. When I called in, the representative advised me to submit a police report. Since then I have filed an ftc report. I have no clue about these accounts and it has caused me to be really stress. Please fix this. I have attached the letter sent it, I also included ftc report, an ID and a social security card. Thank you for your expedited response. I am overly appreciative

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 2024-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank started the process to close my account XX/XX/year>. My funds are not available to me and closed my account according to them for not complying with the customer manual. I made a report of an unknown charge and now they closed my account and want me to wait 30-60 business days to return my funds. This can cause me to become evicted, unable to work and repossession of my vehicle. The only amount on this account was the only money available to me and was from my work as a teacher and my IRS tax return which can be verified in my account.

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 2024-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One Account has been charged off and written off. There is no contractual agreement with the creditor and I the consumer as the debt does not exist in accordance of the write off. I request proof that debt is owed and that all documentation has been provided to the IRS in accordance of the charge off- written off account that Capital One has reported consistently to my consumer report. I request proof that the account is charged off, proof that it is written off as all parties will be held responsible for falsifying and furnishing my consumer report inaccurately. An account/ Income can not be reported to a consumer report as indicated pursuant to FCRA on what can and can not be reported. If a debt is cancelled/ charged off there shall be proof of the information provided to the consumer for the purposes of the consumer accessing and filing that information on a federal income tax. I demand XXXX complete a thorough investigation of this matter and request information from XXXX to whom they have corresponded with within this investigation the parties name and address, time and date and proof of the documentation from the IRS ( cancellation of debt ) that proves the account is in fact charged off. I am attaching to my consumer report for the purposes of capital one practices in falsifying information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: VA

Complaint narrative:
I consistently make timely payments, of which I am certain. However, I am unsure why this company reports me as late in certain months, which should not happen. As per USC 1666b, any billing errors must be rectified, or they will be liable to pay me {$1000.00} for each account inaccurately reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
I have no knowledge of this collection thats on my account and would like it delete from my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: TX

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on them, and the company proceeded without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint against CREDIT COLLECTION SERVICES regarding their blatant refusal to provide proof and validation information regarding a debt they claim I owe. Despite multiple requests made in accordance with the Fair Debt Collection Practices Act ( FDCPA ), CREDIT COLLECTION SERVICES has continuously failed to furnish the necessary documentation to validate the legitimacy of the debt. 

This refusal to comply with federal regulations has caused me undue stress and uncertainty regarding my financial obligations. Without proper validation, I am unable to verify the accuracy of the debt or assess my options for resolution. Furthermore, CREDIT COLLECTION SERVICES 's non-compliance with the FDCPA reflects a pattern of unethical behavior that undermines consumer rights and protections. 

I urge the CFPB to investigate this matter thoroughly and take appropriate action against CREDIT COLLECTION SERVICES for their failure to adhere to federal debt collection laws. I also request assistance in obtaining the necessary validation information to resolve this issue expediently and fairly.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: TX

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on them, and the company proceeded without my approval.

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to take prompt action to enforce the relevant legal provisions and rectify the injustices I have endured. The violations I am reporting involve inaccurate personal information, and questionable account details on my credit report. I believe these actions are in violation of the Fair Credit Reporting Act ( FCRA ) and related regulations. The following are the specific violations I have identified : Inaccurate Personal Information : Violation : Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, creditors are required to report accurate and up-to-date information. The incorrect addresses listed on my credit report violate this provision. I provided the correct address and my social security number to this reporting agency and they continue to knowingly put inaccurate addresses that I have never resided at. I sent a photo copy of my Drivers license that has my only residence. I do not get any legal mail or correspondence from any address other than my home : XXXX XXXX XXXX XXXX XXXX Texas XXXX. I also sent a photo copy of my social security card. I have ask them numerous times to remove the inaccurate addresses. I provided my drivers license and social security card as they requested with my address and only address that I want on my report. I also contacted creditors who provided inaccurate information to the reporting agencies and received deletion and removal of account assurance. I was told that they would request to remove and delete accounts to the all reporting agencies. This reporting agency is still reporting inaccurate information on my credit report. I have requested as well as some of the creditors to have accounts removed. Apparently they have not been remove as requested. My rights are being violated and by consumer laws Im requesting relief immediately.

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 2024-04-20 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: TX

Complaint narrative:
I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to take prompt action to enforce the relevant legal provisions and rectify the injustices I have endured. The violations I am reporting involve inaccurate personal information, and questionable account details on my credit report. I believe these actions are in violation of the Fair Credit Reporting Act ( FCRA ) and related regulations. The following are the specific violations I have identified : Inaccurate Personal Information : Violation : Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, creditors are required to report accurate and up-to-date information. The incorrect addresses listed on my credit report violate this provision. I provided the correct address and my social security number to this reporting agency and they continue to knowingly put inaccurate addresses that I have never resided at. I sent a photo copy of my Drivers license that has my only residence. I do not get any legal mail or correspondence from any address other than my home : XXXX XXXX XXXX XXXX XXXX Texas XXXX. I also sent a photo copy of my social security card. I have ask them numerous times to remove the inaccurate addresses. I provided my drivers license and social security card as they requested with my address and only address that I want on my report. I also contacted creditors who provided inaccurate information to the reporting agencies and received deletion and removal of account assurance. I was told that they would request to remove and delete accounts to the all reporting agencies. This reporting agency is still reporting inaccurate information on my credit report. I have requested as well as some of the creditors to have accounts removed. Apparently they have not been remove as requested. My rights are being violated and by consumer laws Im requesting relief immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
IN XXXX I REPORTED TO NAVY FEDERAL CREDIT UNION BANK THAT MY PHONE AND PURSE WAS STOLEN. SO OVER THE NEXT COUPLE DAYS I WENT THRU THE PROCESS OF DISPUTING THE TRANSACTION MADE ON THE ACCOUNT. IT WAS DETERMINED THAT THE THIEF MADE CALLS AND TRANSACTION ON MY ACCOUNT THAT I HAD NOT AUTHORIZED OR HAD ANY KNOWLEDGE OF SO I REQUESTED THAT ALL ACTIVITY ON THE ACCOUNT BE REVERSED AND I BE REFUNDED BACK ALL THE FUNDS IN THE AMOUNT OF {$10000.00}. I BEGIN RECIEVING LETTERS FROM THE BANK STATING THAT THE AMOUNTS ON THE TRANSACTION WERE CORRECT, SO I CALLED TO INFORM THE BANK THAT MY COMPLAINT ABOUT FRAUD WAS NEVER ABOUT WRONG AMOUNTS BUT IN FACT ABOUT THE TRANSACTIONS BEING FRAUD IN IT ENTIRETY BECAUSE I WAS NOT LOCATED IN XXXX AND I NEVER MADE ANY PURCHASES OR CREATED ANY OF THE TRANSACTIONS REFERENCED IN THE LETTERS. I SUPPLIED THE BANK WITH MY WORK SCHEDULE OF MY CLOCK IN AND CLOCK OUT TIMES TO PROVE IT WAS NOT ME I ALSO SUBMITTED MY BANK STATEMENT FROM THE ONLY CARD I HAD IN MY POSSESSION PROVING THAT I COULD NOT BE IN 2 CITIES AT SAME TIME AND I ALSO TOLD THEM TO LISTEN TO VOICE CLIPS FROM CALLS TO BANK AND COMPARE CALLS TO PROVE I HAD NO INVOLVEMENT IN THE TRANSACTIONS. THEY WERE ALSO SUPPLIED WITH THE POLICE REPORT LAYING OUT THE FINDINGS OF MY COMPLAINT. NOW THE BANK NAVY FEDERAL CREDIT UNION IS ATTEMPTING TO CLOSE MY ACCOUNT IN THE NEGATIVE OF XXXX AND LEAVE ME LIABLE FOR AN OVERDRAFT AND FEES AND NONE OF MY FUNDS RECOVERED FOR ACTIVITY ON THE ACCOUNT THAT WAS FRAUDULENTLY DONE BY AN UNKNOWN PERSON.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: FL

Complaint narrative:
I was looking at my report and noticed there was some things that was not correct. I sent a letter to XXXX, XXXX, and Equifax on XX/XX/24. But it has been more than 35 days since the credit bureaus havent responded. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in consumers file at a customer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning of the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
I have requested a copy of contract with my signature from XXXX XXXX # XXXX, is been 40 days and not response. 
XXXX send me a letter with wrong last name, and is reporting XXXX XXXX in my credit report with false information, the creditor closed the account and kept adding extra fees after the account was closed, violated my rights. XXXX is not in compliance with the laws, XXXX sent me a letter staying they need more time, after 40 days of the requesting to delete the false information from my credit report the company XXXX XXXX partial acct # XXXX, had closed the account and charge month of exceed of fees, after the closed the account they are not in compliance with the law.

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
I have requested a copy of contract with my signature from XXXX XXXX # XXXX, is been 40 days and not response. 
Equifax send me a letter with wrong last name, and is reporting XXXX XXXX in my credit report with false information, the creditor closed the account and kept adding extra fees after the account was closed, violated my rights. Equifax is not in compliance with the laws, XXXX sent me a letter staying they need more time, after 40 days of the requesting to delete the false information from my credit report the company XXXX XXXX partial acct # XXXX, had closed the account and charge month of exceed of fees, after the closed the account they are not in compliance with the law.

Company response to consumer: Closed with non-monetary relief