vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 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: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/XXXX, I noticed a fraudulent charge on my Citibank XXXX credit card attributed to a purchase from XXXX ( XXXX CA ) for {$600.00}. Immediately recognizing this as unauthorized, I promptly contacted your customer service to report the issue and filed a fraud claim on XX/XX/XXXX. Regrettably, the claim was denied so I called the customer service to enquire about this. They acknowledged that the order was fraudulently placed and advised me to reopen the claim for disputing the purchase. Following Citibank 's guidance, I subsequently reopened the claim on XX/XX/XXXX. Merchant ( XXXX ) was contacted on XX/XX/XXXX. Merchant Responded on XX/XX/XXXX. However, to my dismay, I recently received notification on XX/XX/XXXX that this claim has also been denied and the customer was responsible for the purchase. 

Citibank reached out to XXXX to gather information about the purchase, and XXXX provided information showing that the order had been fulfilled and supplied details regarding the purchase. Citibank subsequently forwarded me ( XXXX ) containing the information provided by XXXX regarding the order. Upon reviewing page XXXX, it's evident that the order was made using my name, billing address, and shipping address. However, on page XXXX, it becomes apparent that the order was shipped to and received at an unfamiliar address : XXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX, which does not correspond to mine. This discrepancy strongly suggests fraudulent activity, as I neither initiated the order nor received any items. Despite the clear evidence provided by XXXX indicating a fraudulent order, Citibank still rejected my 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 monetary relief
Consumer complaint received 2024-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX I sent XXXX XXXX, and Transunion 2 letters asking them to update my personal information and they still haven't updated my address and name nor replied back to me. I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I demand a deletion of all personal identifiable information from my consumer report with the exception of : my name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX. This is my only name and my only address. I have uploaded my Identity theft Report to this complaint today as well.

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 2024-02-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX I sent Equifax XXXX, and XXXX XXXX letters asking them to update my personal information and they still haven't updated my address and name nor replied back to me. I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I demand a deletion of all personal identifiable information from my consumer report with the exception of : my name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX. This is my only name and my only address. I have uploaded my Identity theft Report to this complaint today as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I believe that this account is reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: CA

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 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 2024-02-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: WV

Complaint narrative:
In XX/XX/XXXX, the vehicle was totaled in an accident. The Insurance ( XXXX ) paid the vehicle off. Credit Acceptance send me a letter dated XXXX indicating thank you for the final payment on your contract using credit acceptance. The account has been PAID IN FULL and their lien has been released. Also a copy of the title from XXXX  with signature and notary seal dated XXXX was provided releasing the lien. 

In XX/XX/XXXX, I received a notice that credit acceptance was filing for garnishment against me for an unpaid balance of XXXX with fees with XXXX XXXX Employer. Then again in XX/XX/XXXX revised again to my new employer XXXX for an increased amount XXXX. I tried to get this stopped and they refused to help me. My checks have been garnished causing me hardship and I can not get anyone to help me get them stopped. I spoke to a lawyer ; he indicated you have a paid in full letter and a title release. This must have crossed in the mail when insurance was paying off the vehicle. 

I am aware of the current lawsuit against Credit Acceptance, and I feel that this is predatory activity against me, and I will never be able to resolve this issue.

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 2024-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear jp morgan XX/XX/XXXX  Per the FCRA as a federally protected consumer and for The code for " Paid as Agreed '' on the CFPB ( Consumer Financial Protection Bureau ) is AP. 
This code is used to indicate that the consumer has made all payments as agreed upon in the loan or credit agreement, and there are no payment issues or disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: IL

Complaint narrative:
Never got an answer

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I believe that this account is reporting inaccurately.

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 2024-02-28 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: IL

Complaint narrative:
I believe that this account is reporting inaccurately.

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 2024-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My daughter sent me {$350.00} via Venmo on XX/XX/2024. On XX/XX/XXXX, when I logged into my account, I found out that this amount was withdrawn by an unknown person ( this is the only amount that was in my Venmo account ). I notified Venmo, had to provide proof that I was who I claimed I was, was assured by Venmo that everything was resolved. I still can not get in my Venmo account with a new password. The account with the old password is still active and somebody withdrew money again. My numerous emails to Venmo are unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/year> I received a fraudulent hard credit inquiry from XXXX XXXX XXXX XXXX XXXX was not able to locate any application for credit with my provide SSN. But, I need to have the hard inquiry removed from my credit file.

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 2024-02-28 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: Westlake Services, LLC
State: CA

Complaint narrative:
I was able to get the official list of all the companies who received the bid for the Illegal Repossession Order placed past 90 days of the allotted time they had to present the Title and Registration. Here is the information on the parties that were notified improperly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo sends me automated emails that my bank account will be closing with no explanation other than an unauthorized receipt of a XXXX. 

I have given all the proof that the individual that is scamming me is fraud and the transfer was legitimate. 

Wells Fargo will not even listen to me, see any of the facts I have, or even give me any kind of details to confirm who is the one making this dispute where I can resolve it.

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 2024-02-28 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint received 2024-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
Mohela did it again. Mohela is NOT FOLLOWING THE LAW. 

The Cares Act states if your income recertification date is within 6 months after payments restarted in XXXX then you do not have to recertify your income until the following year. The 6 month deadline is XX/XX/XXXX. My annual income recertification date is XX/XX/XXXX. XX/XX/XXXX is before XX/XX/XXXX. Given XX/XX/XXXX is within the 6 months, I do not have to recertify my income until XX/XX/XXXX. 

Mohela decided NOT TO FOLLOW THE LAW AGAIN and change my payment from {$290.00} to {$5800.00}!! This is ridiculous. Mohela needs to be held accountable and to follow the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
In XXXX I received a debit card in the mail to my home address that said it was linked to a checking account at M & T Bank. 

I immediately called M & T bank to speak with a representative as I never opened nor did I ever have any banking/checking accounts or debit cards with M & T Bank . I advised the representative on the phone, that I suspect fraud is involved and someone has used my personal information to open this account. I asked what date the account was opened and the phone agent would not share the information with me. I then advised the agent I need this account closed immediately as I never opened it to begin with. Agent confirmed the account will be closed and I will receive a form in the mail in a few days to fill out and return advising of the fraud. 

**Fast forward a couple of weeks later this month of XXXX, I receive another Debit card from M & T Bank in the mail to my home address ( 2nd Debit Card at a bank I have NEVER Banked with ). This is the same banking institution I have never opened any account with. I called again to speak with a representative who tells me over the phone the checking account has been closed but he doesn't know why I'm still receiving debit cards. **What 's most alarming is I have ran all three of my Credit Reports and NOTHING For M & T Bank appears on any of my reports ( XXXX, XXXX, XXXX XXXX. This leads me to believe someone at the bank is using illegal practices to open checking accounts. I also have never received the " Report Fraud '' letter from M & T Bank as initially advised by representative # 1 over the phone.

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 2024-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My complaint is about Paypal. I purchased from a car wheel website and payed on the website with Paypal. I was given the option to choose from my available methods of payment. I had a bank credit card and a separate bank account. They are not the same. I chose my bank credit card. I put money in my bank for that card to pay the amount. 

When I looked at my bank statement I was overdrafted in them other bank account. When I called and messaged Paypal they said I had my bank account selected as my primary. I asked them why would they make the card an option to pay if they never intended to let me use it. 

They said no you have to select it on the site. That's XXXX. I have to go log in and change it when you are already giving me the option to pay on another site. 

They owe me a {$30.00} overdraft fee. I don't know what kind of games they are playing with customers. You can't allow people to choose from options to pay and then be like sike... There is not huge discloser or any discloser stating that the option doesn't work when I'm checking out on another site.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have an account on my credit report that is recording late payments. All 3 bureaus are reporting late payments in different months. I have never been late and the fact that they are all reporting in different months proves there is a problem. i know that they are supposed to report with 100 % accuracy and they are not. I have never been late on any of my accounts. This is really hurting my credit and it's not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: CA

Complaint narrative:
I have an account on my credit report that is recording late payments. All 3 bureaus are reporting late payments in different months. I have never been late and the fact that they are all reporting in different months proves there is a problem. i know that they are supposed to report with 100 % accuracy and they are not. I have never been late on any of my accounts. This is really hurting my credit and it's not correct.

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