vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from Home Depot through an online order. The product was set for delivery to my address at XXXX XXXX XXXX, XXXX, NY XXXX on XX/XX/XXXX, as confirmed by the XXXX tracking number XXXX. 

However, XXXX marked the package as delivered at XXXXXXXX XXXX on XX/XX/XXXX, but to XXXX XXXX, XXXX completely different location. I never received the package at my address. I immediately contacted XXXX and Home Depot to resolve the issue. 

Following my complaint, XXXX conducted a thorough search for the package and has since declared it lost, as documented in the attached claim status from XXXX. Despite XXXX confirming that they were unable to locate the package, Home Depot has repeatedly closed my claims without providing any resolution, refund, or replacement. Furthermore, Home Depot has never contacted me to inform me that my claim was being closed, nor have they provided any results or status updates on their investigations. I only discovered this when I followed up on my own. 

Currently, I have a balance of {$430.00} on my Home Depot credit card, which includes {$300.00} for the missing dishwasher. This amount is due by XX/XX/XXXX, as part of a promotional balance. I am being charged for a product that I have not received, and despite the clear confirmation from XXXX  that the package is lost, Home Depot has failed to remove the charge or provide a replacement. 

This is a breach of my consumer rights under both the Fair Credit Billing Act ( FCBA ), which protects consumers from being charged for goods they did not receive, and the Fair Credit Reporting Act ( FCRA ) if these charges remain unpaid and affect my credit. 

I am requesting immediate intervention from the CFPB to ensure that Home Depot either provides a full refund for the lost item or sends a replacement. Additionally, I ask that any associated charges be removed from my Home Depot credit card and that my credit score remains unaffected by this unresolved issue. Please see the attached documents for the full timeline, XXXX confirmation of the lost package, and details of the charges. 

Thank you for your attention to this matter. I look forward to a swift 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 monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, My car insurance which is XXXX ( entity of XXXX ) electronically transferred {$23000.00} and some change to my Ally account due to my vehicle being a total loss. On or around XX/XX/XXXX, my mother wrote a check for {$25000.00} to help me pay off my next car when I did indeed buy it. I did a mobile deposit to Ally with that check. My moms bank was calling her to verify the amount and transaction but she did not call back in time so the amount was reversed from my account. She finally called her bank ( XXXX ) to let them know she indeed did write it and they informed her to let the payee know to resubmit the check. I could not resubmit the same check so she wrote another one and voided the prior check. I called to let them know the check was reversed and approximately 2 hrs later Ally restricted my entire account even after letting them know this information and also having verbal confirmation from the person who wrote the check. I even sent them documentation on where the completely unrelated insurance money came from, but they will not even release that. Due to this, i have no money to pay bills or purchase another car. I have an elderly person at home and we have no way of getting around. My motor vehicle status is in a lapse due to having plates and no vehicle and i continue to pay insurance on my totaled car so i do not lose my insurance. This is all causing extreme hardship and convenience.

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 2024-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX - XXXX ( the Company ), which involved me making deposits for a total amount of XXXX ETH and XXXX XXXX, equivalent to XXXX USD from my XXXX account to fraudulent investment firm ( s ).

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 2024-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
I have been a customer with Chime Bank for over seven years. Recently, during Hurricane Helene, my home was broken into, and several items were stolen, including my phone, debit cards, and personal documents. The hurricane hit on XX/XX/year>, and my family evacuated. When we returned home on XX/XX/XXXX, we discovered that looters had taken advantage of the situation. I reported the theft to the police and contacted Chime to report unauthorized ATM transactions. 

On XX/XX/XXXX, I requested that my card be replaced and my transactions reviewed. I was told that while the usual dispute process could take up to 90 days, I was eligible for a temporary credit. Despite this, my claim was denied the same day, and the documentation provided by Chime only reflected the information I had already shared. I filed a rebuttal, and during calls with Chimes dispute team on XX/XX/XXXX and XXXX, I was assured by XXXX representatives that a credit was pending. However, on XX/XX/XXXX, I received an email stating that my rebuttal was denied, and no credits would be issued. 

I am extremely frustrated by the misleading information I have received. As a loyal customer and someone who works in banking, I expect a transparent and fair resolution. I request an immediate review of my case and that the stolen funds be restored to my account. This is unacceptable, and I will take further action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: PA

Complaint narrative:
Recently, i did an investigation on my credit report and found severel items that are unauthorized and there are to be inaccurate information. Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report. it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, Immediately : cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX , This inquiry are not authorized, Please Remove all from my credit report 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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
Hello I've contacted Calvary portfolio services the collection company and the credit bureau XXXX XXXX and informed them this information of debt is incorrect i also submitted a police affidavit they still refuse to remove the incorrect information. 



XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit I have requested that they provide the purchase agreement to show full ownership of such account that it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MI

Complaint narrative:
i received defective item and i been trying to reach out to return are not giving an return label and also the dispute not accepting my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts. XXXX  XXXX bal. {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: 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. 

Account name : XXXX XXXX Account Number : XXXX, Account name : OFFICE OF THE ATTY GENER Account Number # : XXXX, Account name : XXXX XXXX Account Number : # XXXX, Account name : XXXX XXXX XXXX Account Number : 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 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 2024-10-20 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: Experian Information Solutions 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. 

Account name : XXXX XXXX Account Number : XXXX, Account name : OFFICE OF THE ATTY GENER Account Number # : XXXX, Account name : XXXX XXXX Account Number : # XXXX, Account name : XXXX XXXX XXXX Account Number : 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 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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recovery Associates has filed a law suit against me in the amount of {$2700.00}. 

PRA never notified me of this debt. Please see the attacked file showing that the notice was sent to an XXXX XXXX XXXX in XXXX, XXXX. I have lived in XXXX  since XXXX, XXXX. Before that I live in XXXX  my whole life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
YOUR COMPLAINT DATE : XX/XX/year> TO : Equifax Subject : Notice of Dispute Inaccurate Reporting Dear Equifax, I am writing to dispute the inaccurate reporting of my XXXX XXXX XXXX XXXX  NA Account NUMBER # XXXX. This account is being marked as charged-off on a monthly basis, which is incorrect. SEE NOTICE OF DISPUTE LETTER ATTACHED BELOW

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
Three Fraudulent Loan have been opened by a thief who stole my information. The first loan was opened in XXXX for {$3300.00} the second in XXXX for {$3000.00} and the third loan for {$1700.00}. After the first loan I had already send them an Identity Theft application with all the information they needed. But they still approved two more loans after during theyre investigation into the first loan.

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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
Three Fraudulent Loan have been opened by a thief who stole my information. The first loan was opened in XXXX for {$3300.00} the second in XXXX for {$3000.00} and the third loan for {$1700.00}. After the first loan I had already send them an Identity Theft application with all the information they needed. But they still approved two more loans after during theyre investigation into the first loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
Three Fraudulent Loan have been opened by a thief who stole my information. The first loan was opened in XXXXXXXX XXXX XXXX the second in XXXXXXXX XXXX XXXX and the third loan for {$1700.00}. After the first loan I had already send them an Identity Theft application with all the information they needed. But they still approved two more loans after during theyre investigation into the first loan.

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 2024-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app has repeatedly refused to send me a debit card with a tracking number. After multiple attempts and several cards being lost in the mail, I requested a tracking number which they refused. I then provide written notice 3 times to close my account. It is in good standing and a XXXX balance. They have refused to help me every step of the way or to comply with my demand to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I may have been late on a payment due to XXXX and issues with switching my banks but was in contact with the lender about these issues and was told it wouldn't reflect due to the pandemic and such, yet it is reporting missed and late on some credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation