vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Sirs, I opened a Citi XXXX XXXX XXXX account. This card offered a 19.74 % promotional rate for the card. The consumer would receive XXXX miles for spending an amount of {$3500.00} before XX/XX/2022. I met the goals to obtained the miles. I was approved for this card on XX/XX/2022. I received the credit card in XX/XX/2022. My due date on the card is the XXXX of each month. I have paid XX/XX/2022 {$500.00}, XX/XX/2022 {$300.00}, XX/XX/2022 {$460.00}, XX/XX/2022 {$600.00}, XX/XX/2022 {$560.00}, XX/XX/2022 {$560.00}. I always pay before the XXXX of each month. The Citi rep stated that, I could lower my APR and interest by deferring some of my purchases with a lower rate Then my current interest rate of 28.74 %. I was shocked. The Citiflex plan rate was {$27.00}.. I questioned why my APR was so high. I didn't get a straight confirmed answer. Please note to obtain this credit card you needed a minimum credit score of XXXX or higher. I have been traveling out of the country. Citi card is aware of the location. The payment on XX/XX/2022 didn't clear my bank. I didn't understand why .I called a representative to give them the debt card from that checking account on XX/XX/2022 so, that my credit payment could be deducted immediately. I received a email from Citi XXXX on XX/XX/2022 that the payment returned which, I informed them initially on XX/XX/2022 that it would per our recorded conversations. I rectified the issue immediately before the XX/XX/2022 email.. I contacted Citi XXXX on XX/XX/2022 to inquire as to why they closed my account. They stated because of my late payment. I told them that I contacted you about the initial payments made. The email generated on XX/XX/2022 requested I make another payment. The representative stated that I should've been alright. I'm out of the country. I need my card for the miles and business. My credit is prestine. I have contacted Citi XXXX to give me a copy of the service agreement today on XX/XX/2022 to confirm the verbiage that indicates the reasons how they have a right to close my account .They wouldn't mail or email the information. My payment history is great. My credit is prestine. I only have this credit card. I don't carry debt. I'm requesting your assistance to having my credit card reopened and my interest rate lowered. If my credit score has dropped from XXXX until now it's do to my credit card being closed. I'm a mortgage consultant. I know how the credit scores work and surely don't have a lot debt. I truly appreciate all of your help in assisting me to resolve this matter. Best Regards, 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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have accounts that's not reporting properly. In correct dates and amounts. In correct status.

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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, 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: PA

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. 

XXXX XXXX XXXX XXXX : Account # XXXX 15U.S.C 1681 section 602 A. States I have the right to privacy.

15U.S.C 1681section 604 A section 2 : it also states a consumer agency can not furnish an account without my written instructions.

15 U.S.C 1861c ( a ) ( 5 ) Section State : 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 1861s-2 ( A ) ( 1 ) A person shall not furnish any information remaining 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 explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello my name is XXXX XXXX Im writing you guys because I have news This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name - XXXX XXXX XXXX - Date XX/XX/2022 Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
I have had an ongoing issue with Coinbase Inc. I reached out to them because I am blocked and can not access my own account. They admitted that there are unauthorized charges on my account, yet they refuse to do anything about it. The day I reached out was XX/XX/2022 so I could view the transactions for myself, and they won't even provide the information to me. I have {$13000.00} worth of unauthorized charges on my account. I can provide my bank statements with all of the charges if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I deposited a state check into my checking on Monday XXXX XXXX. The bank put a hold on it until Monday XXXX XXXX. They put my account into the negative for the amount of the check and I have a deposit coming in directly that will be tied up with this check on hold plus my own money. I tried to get them to remove the negative balance and they would not. I dont see how they are allowed to make my account negative for a check hold money that I have not got, plus take my direct deposit to cover the negative amount. This is how Huntington Bank is treating there customers..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This account does not belong to me if you have a signed contract you must show it, the FDCPA Law 15 USC 1692 Sec 809 indicates that it is illegal to report without foundation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have never encountered a bank with this level of horrifying customer service. My debit card number is XXXX. There is a fraud block on my account and I am unable to use my debit card. When I call into the overseas crew of employees you have, I am told to verify my phone number. When I give them the only two phone numbers I have, they say it was unsuccessful and hang up the phone. I have called eight times. Right now I am not able to do anything at all with my checking account due to this bizarre situation.

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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My Equifax credit score recently plunged XXXX points when I checked it on XXXX. That site was unable to provide any information as to why this had happened. I visited my account on the Equifax website and it indicated that I had no outstanding accounts nor any credit history ... .yet the same site shows my 6 accounts and adequate credit history. I had this same problem with Equifax in XXXX of 2022 and it was resolved but without contact from them nor any explanation as to why it occurred. I am concerned because of Equifax 's horrible track record for data security and because correct credit scores are crucial in today 's consumer economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, 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: NC

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. 

XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have accounts that's not reporting properly. In correct dates and amounts. In correct status.

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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, 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:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2022-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I have been dealing with Navient for several years in an attempt to continue to fulfill my payment obligations. For several years ( approximately 20 ) I have been making payments under an Income Based Repayment schedule, retiring in XXXX  and moving to an IBR program shortly there after. For many years there were no issues to note. 

In the last five years or so there has been ongoing difficulty with Navient and having our payments being reflected correctly. I have had many phone calls ( dozens, if not over a hundred ) of phone calls with Navient representatives attempting to address whatever issues may exist. In several cases we would appear to reach agreement in discussion, only to receive correspondence indicating something different from what was agree. 

In an act of desperation, in order to attempt to truly address what Navient appears to see as continuing lack of payment, I send them nearly {$2000.00} in response to a letter in XXXX indicating that my account was delinquent in that amount. To be clear, I have been continuously making monthly payments for the amount due throughout the course of this loan without interruption for the amount due. 

My hope was that that act of payment would address the matter as they saw it. It did not, instead letters indicating late payment continue. My payments are sent through a bank bill pay service, same time and amount each month. My records are clear that Navient is being paid. 

I believe Navient is acting intentionally to create this situation that I have actively engaged in attempting to address. No action on my part over the last several years appears to appease this company, which has brought me to you at the XXXX XXXX XXXX XXXX to possibly help address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This account XXXX has been on account for over SEVEN years.

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 2022-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime refused to credit account back for money I did not use and I told them I want account closed since they could not return money I did not spend and this is on the credit builder card and I have not deposited money due to the fact why should I when if a transaction is not mine they wont return funds. And I asked them to closed and reporting late payments when I asked for it to be closed and removed when they could not give money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, 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: NC

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. 

XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

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. 

XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the referenced accounts violates my rights. 

15 U.S.C. 1681 Section 602A states that I have the right to privacy and Section 2 states that a consumer reporting agency SHALL NOT furnish an account without my WRITTEN instructions/permission. 

The following inquires are not mine and is a direct result of id theft. I have included a police report and has filed a FTC report showing that my identity has been compromised. 

XXXX XXXX XXXX XXXXXXXX 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 2022-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: WA

Complaint narrative:
Im believe that this collection is regarding a hospital visit during XXXX of XXXX At the time, I was living and working for a company where they provided employee housing. I was under the impression that this visit would be covered through an assistance program for low-income individuals. Quite some time has passed, and not once has anybody notified me in an attempt to settle something I believed I did not have to pay in the first place. I have not lived at the address at which I did during this hospital visit, and I also do not have the same phone number anymore. I would have given my best effort to take care of my responsibility of this account, but again, I was never made aware of such obligations.

Company response to consumer: Closed with explanation