vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-27 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX Experian are reporting an account as a charge off/collection but XXXX is not reporting the account. I would like to know the information XXXX XXXX Experian has that XXXX does not. The consumer reports must match across the board and this account does not. Furthermore banks are insured under FDIC so they do incur a loss so reporting this account as such is erroneous claim.

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These inquiries are unrelated to me, and I have no connection to the creditors mentioned.

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 2024-08-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been disputing a charge of {$510.00} to my Capital One credit card account for purchase on XX/XX/year> and also filed complaint with FTC report # XXXX in regards to seller of which i am disputing charge - also attached. The charge is an error because the items received were not what was advertised and ordered. The items received were not brand name as advertised, I was charged for brand name XXXX products and received XXXX XXXX replicas ( they even admit to sending me replicas in the email conversation I had with them, which I provided a copy of to Capital One. The scam company ( XXXX XXXX XXXX XXXX has been using another company 's name and address in their advertisements, but they spell their name XXXX, not XXXX XXXX XXXX XXXX I have provided Capital One with all information possible, invoice, statement from seller stating they sell brand names, page showing false US Address. I have contacted the seller for return label so I can ship items back overseas but they keep trying to bargain for me to keep product and refund 50 % or i pay the very expensive cost to ship them to XXXX. Please note that their page says they're based in XXXX. Nevertheless Capital One regardless of all proof and evidence keeps closing my case and giving me the run around asking for more and more things each time. last request was for a second opinion that items are not brand XXXX from an authorized seller. I reached out to XXXX Counterfeit department and they advised they would not do such an inspection w/o a police report which I can not get because this seller is not even a legit XXXX company XXXX it is absurd that Capital One is allowing this fraudulent seller to get away with this and putting me through all of this being a platinum member - i've had this credit card in good standing for 25 years Capital One XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. 
XXXX. 
XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Money Network Financial , LLC refuses to refund me the fraudulent transactions perpetrated by criminals and reported to them along with filed Police Report on my debit Visa card.

Apeal after Apeal, and they say your pin has been used, therefore, we need more proof. What proof better than a legitimately filed Police Report?

How can I prove how the perpetrators used illegal means to access my card?

This is shameful!

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 2024-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I signed up for the Home Depot credit card when I was checking out in the store. For a discount on a {$50.00} of merchandise purchase. I was approved. I never received any mail/bills/statements or the actual card I signed up for. It's 3 months later and they are calling me telling me that owe them {$160.00}. So I called to speak with them and explain I never received any statements. I found out they are charging a $ XXXX/month late fee. So they are trying to charge me over {$100.00} in fees for a {$50.00} purchase. I explained to them that I never received any statements. I offered to pay off the principal balance on the card, for the merchandise I actually purchased ( nevermind that they didn't give me the {$40.00} in store credit discount that they promised me, when I signed up for the card ... bait and switch ), but I refused to pay these exorbitant and usurious late fees ( the fees are more than the actual purchase amount ) because I never got a statement from them. Further the fees are excessive. I thought the CFPB banned excessive late fees? See the attached article https : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-27 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: CA

Complaint narrative:
my brother used my information a few years back to get a loan under my name, i found out and got it removed from my credit report, but now its back. I dont know why

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 2024-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
SSFCU told me that I have a deferment due to economic hardship after making XXXX  payments. I have made XXXX  payments on top of the massive deposit on the car. They have lied repeatedly about their processes, rules and at times have made it very difficult or costly to make payments on the car loan. I have made extensive effort to communicate and all I have gotten is lies and denials and a steady stream of bad faith actions.

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 2024-08-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: AZ

Complaint narrative:
Recently approved for SSDI ( XXXX ) Funds were placed automatically with DirectExpress ( Comerica Bank ) Have attempted numerous times to effect a fund transfer to my bank so that I can pay bills. 

All attempts at document verification have failed and they won't tell me why. Numerous phone calls, the latest on hold for XXXX hours after which the representative stated something about " system issues '' and immediately terminated the call. 

Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX SS # XXXX MAILING ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX TODAYS DATE XXXX I have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAMXXXX XXXX XXXX XXXX  FINANCIAL ACCOUNT # : XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. I filed an IDENTITY THEFT CLAIM I WILL ATTACH THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 )

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My credit report had an inaccurate case number and inaccurate contact information for the court my bankruptcy was filed with. I provided proof that it was inaccurate on XX/XX/year> and they came back to say the information was accurate on my account and that they verify this information via a third party.

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 2024-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/year> I initiated a " standard '' transfer of {$1100.00} from my Venmo account to my XXXX XXXX Checking account. I didn't mean to transfer my whole balance but Venmo didn't include the same confirmation button here that it does for its " Instant '' transfers. According to the application " Bank transfers initiated before XXXX XXXX  '' should be available the following business day. At no point was I informed that my transfer was over any sort of threshold. Earlier today, I was sent an email with bold text in it from a support XXXX that my account was in " good standing '' because I had contacted them about my inability to preform this transfer as an " Instant '' transfer. There is something very strange going on here. I contacted support today to inquire about my transfer and was told it is now being reviewed and I am powerless to do anything about this " review '' which is " fully automatic ''. I am not allowed to contact any member of the review team, I am not allowed to verify my identity, I was not even informed anything was taking place until I contacted support as my app still shows " Est. completion : XX/XX/year> '' which is a verifiably false claim as support informed me that it is a XXXX business day process and I am not to attempt contacting anyone until the XXXX business day. None of this is made clear, if it is even codified in a XXXX  that I agreed to by action of using the app, and certainly not by the XXXX  XXXX used by their supports who refuse to escalate the chat. A XXXX  that no matter how much it is modified without notice to me I agree to by simply using the same app I have used without issues for many years. Its clear to me that this review has nothing to do with fraud prevention as they have not allowed me to verify that it is not fraudulent. The support also was using double negatives to imply that I would get my money, another verifiably false claim as they state they XXXX freeze or take my money all together at their whim without allowing me any due process to prove the legitimacy of my transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XXXX of XXXX made a claim claiming that the information was verified. In your response you said the account was verified by XXXX XXXX, I disputed the accuracy of this information and they could not verify the account! They Deleted the account.

See Proof Attached. You have violated my consumer rights.

You stated that the account was verified, how did you come to possess this information?

I am very sure I did not give you any permission ; no permissible purpose.

15 USC 1681b ( A ) 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.

When did I give you permission? Your action amounts to fraud and aggravated Identity theft 15 USC 1681q You Obtained my information under false pretenses.

Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

18 USC 1028A Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, 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 imprisonment of 2 years.

You are guilty of obtaining my private non public personal information, you had no form of permissible purpose, you knowingly accessed my consumer report without any permissible purpose.

The account # that you have verified can not be verified, the data furnisher must verify this disputed request, yes both of you alleged that this account was verified, But as you can see, in the attachments the source you have used to tell you verified just deleted this inaccurate account in less from the consumer report.

Promptly delete this account from my credit reports and to every person you have furnished this inaccurate into to.

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 2024-08-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FISERV FINXACT CORE
State: VA

Complaint narrative:
I used my XXXX to pay a utility bill with XXXX XXXX on XX/XX/XXXX, on XX/XX/XXXX I got an email from XXXX saying that my account was frozen and I needed to contact Fiserv to fix the issue. I have call multiple times daily and can't reach anyone to explain the problem and unfreeze my bill pay account. The email directs me to an automated number at Fiserve and when I try to make a payment as instructed the automated attendant says there is no money owed. I can't pay my bill because I don't have paper statement 's, don't know the account numbers and need this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: TN

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
on XX/XX/XXXX an account opened in my name under XXXX ( which this business seems not exist ). Account number : XXXX i dont have the last XXXX of the account # and when i try to call CBNA for details i give them my social and they tell me no account is associated with that social. So after hearing that ; I disputed it with XXXX during the week of XX/XX/XXXX this was my second time requesting XXXX to remove the account from my report and they took less than a week to conduct an " investigation '' and have concluded that the results of said investigation i should not have access to. as stated previously I was XXXX XXXX  when the account was open and more specifically to the bottom of the XXXX. I'm trying to purchase a home and the fact that CBNA has an account open in my name and the credit bureau are reporting it as a negative mark but neither one can tell me anything about the account even though I own it. The account currently owes XXXX $ and is being reported as closed but as stated earlier is still be marked with a negative connotation. On XX/XX/XXXX is spoke with XXXX from XXXX customer service XXXX I.D . XXXX who said the investigation was concluded and that I never sent any paperwork in which I had and the documents i sent are attached in this complaint.

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 2024-08-27 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: FL

Complaint narrative:
I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX and followed up on XX/XX/XXXX. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Section 611 ( 15 U.S.C . 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.
Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
XXXX. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.

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 2024-08-28 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: FL

Complaint narrative:
Hello, My name is XXXX XXXX XXXX, Consumer. I currently reside at XXXX XXXX XXXX XXXX XXXX, FL XXXX, which is in XXXX XXXX . I am writing this complaint as a Notice of a request for material disclosures, which were not delivered to XXXX XXXX XXXX, XXXX. This information was omitted, and is now being requested. I, XXXX XXXX XXXX, Consumer, am requesting copies of the the XXXX form that was used to verify the identity of XXXX XXXX XXXX XXXX and a copy of the 1099-C form. XXXX XXXX XXXX, is furnishing inaccurate information onto the consumer reports of XXXX XXXX XXXX, severely oppressing and harming the financial reputation of said Consumer.

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My credit report had an inaccurate case number and inaccurate contact information for the court my bankruptcy was filed with. I provided proof that it was inaccurate on XX/XX/year> and they came back to say the information was accurate on my account and that they verify this information via a third party.

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My credit report had an inaccurate case number and inaccurate contact information for the court my bankruptcy was filed with. I provided proof that it was inaccurate on XX/XX/year> and they came back to say the information was accurate on my account and that they verify this information via a third party.

Company response to consumer: Closed with explanation