vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. account name : # XXXX XXXX XXXX, XXXX Account number XXXX account name : # XXXX XXXX Account number # XXXX XXXX 15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 15 U.S.C 1681 section 602 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 item of information Any other adverse item of information other than record of convictions of crimes which antedates the report by more than seven years. 15 USC 1681c 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 non-monetary relief
Consumer complaint received 2023-07-17 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: NY

Complaint narrative:
Inaccurate information on credit reports. I submitted a complaint letter to XXXX, Equifax, and XXXX by certified mail on XX/XX/XXXX. Here are the USPS tracking numbers XXXX, XXXX, ( third number was lost ). No relief from this inquiry as of yet. This is truly disappointing! Please assist me in this matter. The four days to remove these inquiry/reporting has past, why is this still on my report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have a Citi credit card that has a balance consisting of two balance transfers- one at 0.00 % ( {$2400.00} ) and another at 0.99 % ( {$6400.00} ). The balance transfer at 0.00 % was set to expire on XX/XX/2023, at which time the rate would increase to 24.99 %. I made a payment for the full amount of that balance transfer 's remaining balance ( {$2400.00} ) on XX/XX/2023. My statement then cut off on XX/XX/2023. Citi applied all of my XX/XX/2023 payment to the balance transfer balance with the 0.99 % rate because they pay down the higher interest rate balance first ( to benefit the consumer? ). That not only resulted in my expiring balance transfer balance jumping to 24.99 %, but it paid down the other balance transfer balance that I just gotten in XX/XX/2023 and paid a fee to obtain. I have reached out to Citi via chat on multiple occasions. The first was to ask if my payment can be reapplied to the expiring balance transfer. The option to have a payment reapplied is in Citi 's Help FAQs and I went that route, but I received a letter in the mail days later saying that request was denied. I then chatted with a representative asking if I could get an understanding of why it was denied and was given a copy of the payment processing order. I explained the situation and was again denied. I then chatted with a " supervisor '' who approved me getting a refund of {$2300.00} ( to make sure what was paid covers the minimum payment ) credited back to my bank account. This was I could make the payment and have it applied now to this high-rate balance. I was told the refund would go right to my bank account. Now 7-10 days later, I check and still no refund. I chatted with Citi again only to be told that the refund was denied. I explained that I am paying over {$50.00} a month in interest because I paid off my balance transfer on time and had I paid it 1-2 days later, I would not be being charged all of this interest. I was told he would try to get it refunded again, but I expressed my concern for the payment application practice and their unwillingness to work with consumers as I feel that the balance transfer policy, expiration dates, statement dates, and payment application practices are misleading and harmful to consumers. I continue to be charged interest at a very high rate until I can pay that off and in the meantime I am not getting the benefit of the low-rate balance transfer that was offered to me ( which again, I paid a fee to obtain ).

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 2023-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC
State: AL

Complaint narrative:
When I first joined the United States XXXX I received a loan from OMNI FINANCIAL they set up auto payments thru allotments, I was having pay issue which I wasnt getting paid so of course if I cant paid neither can they but this was due to finance department not on my behalf, I recently started checking my credit report and noticed they are reporting charged off account of {$3600.00} with a PAST DUR BALANCE OF {$7300.00} now if not mistaken a account can not be REPORTED PAST FOR IF ITS CHARGED OFF VIOLATION OF FCRA and XXXX .. also noticed that they violated another enforcement by recovering payments via allotment The Bureau is authorized to implement and enforce Federal consumer financial laws, including the Consumer Financial Protection Act of 2010 ( CFPA ), for the purpose of ensuring that all consumers have access to markets for financial products or services and that those markets are fair, transparent, and competitive. Among other things, the CFPA prohibits unfair, deceptive, and abusive acts and practices in connection with any transaction with a consumer for a consumer financial product or service, or the offering of a consumer financial product or service. 12 U.S.C. 5531, 5536 ( a ) ( 1 ) ( B ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Recovery Bureau LLC
State: OK

Complaint narrative:
I keep getting emails from " Asset Recovery Bureau LLC '' stating that I owe XXXX XXXX, and now XXXX XXXX XXXX XXXX {$2400.00}. I have no idea what this is for, and quite honestly I am getting irritated from the repeated emails. I even looked up XXXX XXXX XXXX, and their loans aren't even legal in the state of Oklahoma, as this is a tribal lending company. I need the emails to cease immediately. I do not owe this money, nor have I ever done any business with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase has now resorted to using the same practices that XXXX  XXXX XXXX was fined for. They are lumping deposits together in such a way that they suddenly hit your account, without any warning. They are hiding deposits. They are showing deposits as having been deposited on a certain date and then retracting them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-17 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. Identity Theft XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 7. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2023 Delete this account. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

9. The following personal information is incorrect Account Number : ALSO KNOWN AS : 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 2023-07-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This debt collector is not licensed in the state of Georgia and violates the law. I have requested the item removed with threatening phone calls in return. 

I C SYSTEM Last reported XX/XX/XXXX {$4200.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 7 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name 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 2023-07-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
We closed on a home equity loan. When we went to activate the loan and get a check for the closing on a property we told the teller that we wanted to lock in a fixed rate. She gave us the rates that day and we selected 20 years fixed. The check was issued and sent. We thought we were done. 
The first few months the bills came and were what we expected. The next month the amount went up. I asked the bank about it and she said you must have read the wrong line and over paid. The next month the mortgage payment was way higher. I went in to the bank. She looked up the loan and she said you have an adjustable rate. I said youre wrong I told them it is a fixed rate. The manager looked up paperwork and said I didnt sign papers with the teller so I have an adjustable rate. I said the teller did not give me papers to sign. The manager then my issue in to the complaint office. When the corporate people called me they said the teller could not give me papers to sign because the check had to clear first. Corporate said the bank should have told me to come back in 3-5 days after the check cleared and at that time the manager should have given me the papers to sign. I went back to the bank and told the manager what corporate had said. She replied that No One Ever Told Her That. I asked how do we fix it now. She said we could lock in a new rate that day but it would take 2.5 months to activate. So now we are paying a rate that is going into effect next month and we have already paid thousands more than we should have and will continue pay thousands more over the course of the loan. How can the people of the local bank not be trained properly to close a home equity loan or do they do it on purpose to make more money????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: IL

Complaint narrative:
Account Inquiries : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) In accordance with the FAIR CREDIT REPORTING ACT ( FCRA ), the list of accounts below/attached has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 U.S.C. 1681 section 602 A-States I have the right to privacy. 15 U.S.C. 1681 a. section 604 A- States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 168c. ( a ) ( 5 ) 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 2023-07-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Account Inquiries : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) In accordance with the FAIR CREDIT REPORTING ACT ( FCRA ), the list of accounts below/attached has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 U.S.C. 1681 section 602 A-States I have the right to privacy. 15 U.S.C. 1681 a. section 604 A- States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 168c. ( a ) ( 5 ) 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 non-monetary relief
Consumer complaint received 2023-07-17 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: TX

Complaint narrative:
XXXX continues to report my account 30 days past due. Recently, my account was reported 30 days late for XX/XX/2023 and XX/XX/2023. First, XX/XX/2023 payment is not due until XX/XX/2023, today is XX/XX/2023 so the XX/XX/2023 payment is not due at this time, however XXXX has reported it 30 days past due to credit agencies. Further, XX/XX/2023 payment was made on XX/XX/2023 one day before being 30 days past due. I have also attempted to make my payments online and XXXX blocks my account for online access where I can't pay my bill. I have these calls recorded where reps tell me I can't make my payment online due to the balance being past due. Reps have claimed they would put a ticket in to fix this ongoing issue, but it continues to happen. I am also told by reps that if I have a past due balance and a current balance they will report me 30 days past due even if the past due balance is paid before the 30 day mark of being past due. I have bank statements and print outs of my bills to show XXXX is continuing to report inaccurately on my credit report. I am asking that 30 day past due reporting for XX/XX/2023 and XX/XX/2023 is removed as it causes material harm to my credit. My credit score has now dropped over 50 points due to XXXX ' inaccurate 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 2023-07-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX continues to report my account 30 days past due. Recently, my account was reported 30 days late for XX/XX/2023 and XX/XX/2023. First, XX/XX/2023 payment is not due until XX/XX/2023, today is XX/XX/2023 so the XX/XX/2023 payment is not due at this time, however XXXX has reported it 30 days past due to credit agencies. Further, XX/XX/2023 payment was made on XX/XX/2023 one day before being 30 days past due. I have also attempted to make my payments online and XXXX blocks my account for online access where I can't pay my bill. I have these calls recorded where reps tell me I can't make my payment online due to the balance being past due. Reps have claimed they would put a ticket in to fix this ongoing issue, but it continues to happen. I am also told by reps that if I have a past due balance and a current balance they will report me 30 days past due even if the past due balance is paid before the 30 day mark of being past due. I have bank statements and print outs of my bills to show XXXX is continuing to report inaccurately on my credit report. I am asking that 30 day past due reporting for XX/XX/2023 and XX/XX/2023 is removed as it causes material harm to my credit. My credit score has now dropped over 50 points due to XXXX ' inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Kohls continues to report my account 30 days past due. Recently, my account was reported 30 days late for XX/XX/2023 and XX/XX/2023. First, XX/XX/2023 payment is not due until XX/XX/2023, today is XX/XX/2023 so the XX/XX/2023 payment is not due at this time, however Kohls has reported it 30 days past due to credit agencies. Further, XX/XX/2023 payment was made on XX/XX/2023 one day before being 30 days past due. I have also attempted to make my payments online and Kohls blocks my account for online access where I can't pay my bill. I have these calls recorded where reps tell me I can't make my payment online due to the balance being past due. Reps have claimed they would put a ticket in to fix this ongoing issue, but it continues to happen. I am also told by reps that if I have a past due balance and a current balance they will report me 30 days past due even if the past due balance is paid before the 30 day mark of being past due. I have bank statements and print outs of my bills to show Kohls is continuing to report inaccurately on my credit report. I am asking that 30 day past due reporting for XX/XX/2023 and XX/XX/2023 is removed as it causes material harm to my credit. My credit score has now dropped over 50 points due to Kohls ' inaccurate reporting.

Company response to consumer: Closed with explanation