vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XXXX fraudulently submitted two charges to Citi XXXX for scam cash advances, although I had no XXXX account and have never, ever, made a cash transfer on line. Citibank added {$200.00} in fees and interest for the two non-existent cash advances. After several telephone calls, Citi Customer Service removed the charges ( XXXX x {$1900.00} ) AND the {$200.00} in fees and interest, BUT the fees and interest keep reappearing on my Citi credit card bill. All those reachable at Citi by telephone, in XXXX, are consistent only in stating that I have reached the wrong department, whether Customer Service, '' " Fraud, '' or " Security. '' Each of those departments say one or both of the other two should take care of the matter. Transfers to " technical support '' mostly result in recordings to call back at " normal business hours '' even when the attempted transfer by Customer Service was is well-within the Citi business day. You are then disconnected. The one time I got through, the rep listened in silence and then hung-up. Citi seems to have no way for customers to get errors in billing by Citi permanently corrected. The bill for XX/XX/2022, billed the same {$200.00} for a cash advance in XXXX even though the bill shows no such cash advance. This amount, identical to the former, removed, fee and interest changes, is, presumably, the Citi computers trying to get the amounts removed by Customer Service. The " dispute '' record on line claims that Citi has never issued any credit for the XX/XX/XXXX and XXXX, 2022 XXXX fraud, which is also false. 

XXXX, whose " security department '' informed me on XX/XX/XXXX, XXXX, the " cash advances '' were a " known scam, keeps sending what it imagines are threatening emails. I forward the emails to XXXX security and will never pay them a cent.

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 2022-11-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This not a duplicate request. This is not made in error. I do not consent to e-Oscar verification. Please see attached document for review.

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 2022-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase back has raised the interest rate for my account from 22 % APR to an astonishing 25 % APR. In my current situation, the 22 % APR was barely manageable. Chase failed to disclose this interest by means of notification. I log into my account to budget payments and saw the change. I called chase and they offered to send me a letter stating the increase. I stated the letter should have been sent before the increase, a letter now is useless since they made the change. I spoke with a supervisor and request a lower interest rate since the 25 % is ludicrous. He said that the rate was tied to the fed increase in interest rate. I find this to be faulty logic since my account is with Chase not with the Fed. I understand that the Fed increase will hurt their business but that does not mean that can raise my interest rate with out any notification. 

My next steps is to transfer the balance to a low interest rate credit card that will be manageable. I would for Chase to admit their mistake, stop this practice, and offer a monetary compensation for my frustration. For nearly 8 years I was their customer and made all payments on times. I accepted the interest fee on my accounts as part of the agreement I made. It is unacceptable for them to raise my fees with out so much of the courtesy to notify me, yet they always send emails for me to transfer balance at 0 % or to use the card at certain stores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: AL

Complaint narrative:
Starting disputing my credit file around XXXX XXXX  for inaccuracies. My file  came back verified so I ask the process of the way of verification and I never received anything  back from the bureaus.
Now the disputes were with
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 explanation
Consumer complaint received 2022-11-13 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: AL

Complaint narrative:
Starting disputing my credit file around XXXX XXXX for inaccuracies. My file  came back verified so I ask the process of the way of verification and I never received anything  back from the bureaus.
Now the disputes were with
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 2022-11-13 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of the accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX Account XXXX XXXX XXXXXXXX Account Name XXXX XXXX  Account # XXXX XXXX Account Name XXXX XXXXXXXX XXXX Account XXXX XXXX  XXXX 15 U.S.C 1681 Secti

on 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 with my written instrutions. 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 2022-11-13 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of the accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account Name : 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 Section XXXX A States I have the right to privacy. 
XXXX XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account with my written instrutions. 
XXXX XXXX XXXX ( a ) ( XXXX ) 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. 
XXXX U.S.C XXXX ( A ) ( XXXX ) 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 2022-11-13 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: IL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Number : XXXX Balance : {$2200.00} Account Number : XXXX Balance : {$4600.00} Account Number : XXXX Account Number : XXXX 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 explanation
Consumer complaint received 2022-11-13 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: CURO Intermediate Holdings
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX : Have been going back and forth with company for months. Stopped a few months because I gave up. Recently have tried again the beginning of this month. XXXX XXXX XXXX XXXX is on my credit report twice with the same account number, but have different amounts, dates opened dont match and balance do not match which is against the FCRA XXXX Please see and compare both screenshots with the same account number listed twice but different information ( SEE SCREENSHOT ATTACHED ) AD ASTRA RECOVERY : Account status is listed as OPEN on a supposed-to-be collection account under XXXX and XXXX, but closed XXXX XXXX. Also reporting a slightly different balance. ( SEE SCREENSHOT ATTACHED ) XXXX XXXX XXXX  : XXXX listing as OPEN on a collection account, listing closed on XXXX. Accounting not reporting 100 % accurate across both reporting bureaus. This is against the FCRA. ( SEE SCREENSHOT ATTACHED ) XXXX XXXX XXXX : THIS COMPANY IS NOT REPORTING THE SAME INFO ACROSS EACH REPORTING CREDIT BUREAU AND LISTING ACCOUNT OPEN WHEN IN COLLECTIONS AND ACCOUNT NUMBER DOES NOT MATCH UNDER XXXX. THIS IS NOT FCRA COMPLIANT ( SEE SCREENSHOT ATTACHED )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: AL

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX : XXXXXXXX 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 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 terms 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 2022-11-13 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: AL

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 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 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 terms 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 explanation
Consumer complaint received 2022-11-13 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
There are unauthorized businesses on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax is refusing to process my dispute request. I have been blocked from filing an online dispute due to the account being closed by Equifax without my approval. The account was closed with inaccurate information and needs to be corrected. I also requested that my Consumer Statement be updated and have not received any update to my request. I contacted customer service by phone on XXXX, XX/XX/2022 to request an update and was told that my new Consumer Statement was updated and I needed to wait 72 hours and it would be available. I checked back on Sunday XX/XX/XXXX and my account has no updates. I also mailed my dispute to Equifax on XX/XX/XXXX making my request in writing to correct the inaccurate information on my XXXX  XXXX Account and My Consumer Statement. Equifax has not made any changes to my account as of the date of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: CA

Complaint narrative:
TransUnion- XX/XX/XXXX Several inquiries reported last year in 2021 that were not authorized, I submitted a letter in writing but was unable to get any resolution.

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 2022-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
There are unauthorized businesses on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UPGRADE, INC.
State: CA

Complaint narrative:
Company Name : Upgrade Inc.

Company website : www.upgrade.com Company profile : Upgrade is a financial technology company, not a bank. Checking and savings accounts provided by XXXX XXXX XXXX XXXX type : XXXX, XXXX company I opened a reward checking account with Upgrade Inc. on XXXX and on XXXX, I received an email from them saying my rewards checking account has been suspended and debit card was closed. When reaching out to their customer support for account closure reason, they just told me it is the underlying bank decision. I was also told the account closure may take 60 days. 

At the time of the account closure, I have {$1400.00} balance on my account and I also earned {$68.00} in the month of XXXX. 

It has been XXXX weeks since my account closure and I have had ZERO communication from the company regarding my account balance. 

I know these XXXX company always say they are NOT a bank so they don't need to follow strict banking rules. When dealing with consumer asset, they have more leeway on whatever they want to do. 

I want to make other consumers and CFPB to be aware of the situation so they don't fall victim of such treatment. 

I would like to get an explanation on why it is taking so long to get a refund check when consumer account is closed by the XXXX XXXX and how much longer I should be waiting to get my balance back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
There are unauthorized businesses on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: United PanAm Financial Corp.
State: GA

Complaint narrative:
There are unauthorized businesses on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: CA

Complaint narrative:
XXXX XXXX- Equifax- Several inquiries reported last year in XXXX that were not authorized, I submitted a letter in writing but was unable to get any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: CA

Complaint narrative:
XXXX Experian- XXXX- Several inquiries reported last year in XXXX that were not authorized, I submitted a letter in writing but was unable to get any resolution.

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 2022-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Demanding that these fraudulent accounts to be remove immediately. This is violation of my consumer rights, and defamation of my character. I did do any busy with this company and I didn't give prior consent to contact me and I am requesting for Portfolio recovery associates to cease and desist. Attached is the ftc report Portfolio recovery associates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
There are unauthorized businesses on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
There are unauthorized businesses on my credit report.

Company response to consumer: Closed with explanation