vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing this email to inform you regarding a wire transfer fraud on XX/XX/XXXX for a total amount of {$62000.00} through my Citibank account. 

To briefly inform you about how I noticed this fraud, I was living in my dorm and I found out when I came back to my room after going out to a nearby marketplace to buy some water when my debit card did not work and fortunately I had cash in hand. I opened my Citi app then found out there was a negative balance around XXXX XXXXXXXX on my checking account and {$0.00} on my savings account. I tried to call the citi priority, but my phone had no signal and nothing worked including my data and SMS. I used my roommates phone to call them around XXXX or XXXX ET and this was when I first reported the fraud. 

I also visited the Citibank XXXX in the XXXX branch the next day with my tutor to help me communicate with the XXXX bankers at that time. I told them what happened and we ended up finding XXXX unauthorized wire transfers through XXXX for a total amount of {$62000.00}. I also informed them that I did not receive any text messages or email for me to click on. The bankers at the XXXX branch told me that they will file a claim to the fraud department and they should reach out to me with their response within XXXX days maximum. 

The first letter I received was on XX/XX/XXXX saying that the fraud claim was denied after their investigation and the reason was that I did not take adequate steps to safeguard my account. I revisited the XXXX branch and found out that a partial amount was returned which was {$35000.00}, {$8000.00} and around {$7900.00}. Even with these, I still did not receive the outstanding amount of {$11000.00}. I visited the branch several times more to file the claim. I was really disappointed that the account holder, myself, had to follow up with the progress and not the bank or the department. 

I contacted my phone carrier at that time, XXXX  and they did not find any suspicious actions on my account. However, I visited another Citibank branch ( XXXX XXXX XXXX XXXX  NY XXXX ) and they insisted that it might have been a XXXXswap. I looked it up : a XXXX hijacker convinces your mobile carrier to port your phone number over to their XXXXXXXX XXXX  By transferring those incoming messages, fraudsters can easily access your most sensitive accounts by completing text-based two-factor authentication checks. 

It has been over XXXX  years since the fraud. I am fully acknowledged that the deposit accounts are insured up to {$250000.00} per depositor, for each account ownership category according to the FDIC insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
hello to whom it may concern. 
My husband brought our wedding ring XX/XX/XXXX at Jared of Jewelry for {$7700.00}. He made autopayment of {$220.00} every month. In XX/XX/XXXX I saw a balance of XXXX that we should be pay off by XX/XX/XXXX. Here where my problem starts. On XX/XX/XXXX, I went back to Jared to buy a nickel for my husband birthday ; It's cost {$1600.00}. He does not like it, XX/XX/XXXX, I returned it. In XXXX my husband saw the payment increase of XXXX dollars. He asks me why the payment increase, and the total balance now is double. I said I don't know. I went to Jared to ask why. The lady that I saw find out that I brought a Neckles. I said no I returned it in the next day. She calls Comenity bank to clarified. when the bills come for the next month. The bills say XXXX. I keep call Comenity bank every month to discuss that ; they never fix my bill. They want me to pay that amount which i do not have. I only brought one product ; in the bill I have two different due date to finish pay. Now in the bill, they put pay XXXX by XX/XX/XXXX. They change the bill without buy nothing more. They refuse to fix it. Please to who is going to read my complain, i am ready to pay {$1500.00} off for me can be done with this company. please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
In XXXX 2019 I was in beloved in an accident report to XXXX insurance. Was told everything was handle etc. XXXX year later I seen the auto loan still on my credit report. Usaa provided information that car was in XXXX I explained everything to them again. And that I have no idea where the car is. I continue to pay if I had a car. But insurance said a check was issued out and claim is clisef

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-02 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-02 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:
Please see attached documents. Do not clo4se this complaint stating it is not me. I am a natural person and a 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 2024-02-02 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: NJ

Complaint narrative:
Kindly update my account this causing me a lot of stress and anxiety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I am writing to formally file a complaint against DEPT OF ED/AIDVANTAGE  for noncompliance with the Fair Credit Reporting Act (FCRA) and for permitting fraudulent
account to persist on my credit report without rectification. Attached to this
communication, please find copies of the letters I previously submitted to DEPT OF ED/AIDVANTAGE, along with the assigned identity theft case number XXXX. It
has come to my attention that despite my dispute letters, DEPT OF ED/AIDVANTAGE
has failed to address the fraudulent account that continue to be inaccurately reflected
on my credit report. I had anticipated that DEPT OF ED/AIDVANTAGE, as creditors,
would safeguard my personal information and ensure the provision of precise credit
reports. I am deeply concerned about the potential damage to my creditworthiness
and financial standing resulting from the presence of these fraudulent entries. I urge
DEPT OF ED/AIDVANTAGE to promptly investigate and rectify the inaccuracies on my
credit report in accordance with the provisions outlined in the Fair Credit Reporting
Act. Your immediate attention to this matter is appreciated, and I expect DEPT OF ED/AIDVANTAGE to adhere to the FCRA guidelines in ensuring the accuracy and
integrity of the information contained in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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:
Please see attached docu1ments. Do not close this complaint stating it is not me. I am a natural person and a 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 2024-02-02 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: TN

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-02-02 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: TN

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-02-02 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: LEXISNEXIS
State: TX

Complaint narrative:
Judgements are void and shouldnt be reporting see cases 

- [ ] Valley v northern fire and marine ins co
- [ ] Old Wayne mut. I. Assoc. v. McDonough 
- [ ] Potenz corp. v. Petrozzini 
- [ ] Rose v. Himely 
- [ ] Williamson v. berry

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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:
Judgements are void and shouldnt be reporting see cases 

- 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

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 2024-02-02 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I received an AMEX gift card as a gift. I have successfully used them until sometime in late XXXX - early XXXX. Now I find I can't use these cards anywhere. 

These virtual cards are declined online and in XXXX XXXX XXXX  stores, at restaurants and grocery stores, or XXXXXXXX XXXX XXXX no one will take these cards. 

I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can this card ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balance or offer me a refund. 

They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 

This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not resolve with AMEX customer service nor can the original purchaser. 

I have been unable to use this card for a year. My money is inaccessible. All I want is the total balance on my card in cash/check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-02 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:
Please see attached XXXX. Do not close this complaint stating it is not me. I am a natural person and a 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 non-monetary relief
Consumer complaint received 2024-02-02 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: IN

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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

Complaint narrative:
Equifax is reporting incomplete and inaccurate information on my credit report. I have attached the proof and a letter describing each piece of inaccurate and or incomplete information. Under the FCRA I have a right to know what is in my credit file and I have a right to 100 % accuracy and complete credit reporting. Equifax has not provided this information. This give cause for concern regarding identity theft issues having incorrect personal information and accounts that have not been verified. I never gave Equifax permission to put anything in my credit report. I have the right to direct whether or not I want information about a transaction to be reported. My right to privacy has been violated and I do not appreciate that. These are my rights under the FCRA that Equifax has on their own website. I take my right to 100 % complete and accurate data on my report seriously. I take my rights under the FCRA seriously. Please make sure to not report any transactions on my credit report. I did not give equifax or anyone else my written permission. Under the FCRA it says " reported info can not be ONLY transactions and experiences between the consumer and a company. '' All data on my report are transactions between I the consumer and a company. '' My entire credit report is a complete mess. Inaccurate and incomplete information. This is improper credit reporting. I have names on my credit report that do not belong to me. That is very concerning.

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

Complaint narrative:
It is crucial to acknowledge that I did not provide authorization for these accounts, and their presence is causing me considerable distress.

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 2024-02-02 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: NJ

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. 

I TOLD XXXX, TRANSUNION, AND XXXX TO REINVESTIGATE THESE ACCOUNT!! 
XXXX XXXX XXXX XXXX HOWEVER THEY STATED EVERYTHING WAS COMPLETE AND ACCURATE. BUT HOW IS THAT POSSIBLE IF OPEN DATE AND LAST ACTIVITY AND MUCH MORE IS FALSE AND INCORRECT! 
15 USC 1681I ( 5 ) THEY ARE SUPPOSED TO MODIFY ACCOUNTS THAT ARENT REPORTING CORRECTLY 15 USC 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 RESONABLE CAUSE TO BELIEVE 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 2024-02-02 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: EQUIFAX, INC.
State: NJ

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. 

I TOLD XXXX, XXXX, AND EQUIFAX TO REINVESTIGATE THESE ACCOUNT!! 
XXXX XXXX XXXX XXXX HOWEVER THEY STATED EVERYTHING WAS COMPLETE AND ACCURATE. BUT HOW IS THAT POSSIBLE IF OPEN DATE AND LAST ACTIVITY AND MUCH MORE IS FALSE AND INCORRECT!

15 USC 1681I ( 5 ) THEY ARE SUPPOSED TO MODIFY ACCOUNTS THAT ARENT REPORTING CORRECTLY 15 USC 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 RESONABLE CAUSE TO BELIEVE INFORMATION IS INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
I have taken my car back to the dealership in which Ive purchased my car from initially only for them to not be able to properly diagnose my vehicles issue. So they sent it back to my manufacturer dealership which is XXXX in XXXX XXXX, MD. They were able to diagnose my car with an issue in the motor and reported back to my warranty company that is XXXX XXXX XXXX. Under my warranty in my contract is states that any motor issue and or XXXX XXXX issue is to be covered. The warranty company has then sent an inspector to review my car because it was said that a brand new engine was needed. They then came and asked for my first tear down because they wanted to further investigate the engine. XXXX reached out to me and said what they found wasnt conclusive enough so they recommended a XXXX tear down. Please keep in mind my car has been with the dealership since before XXXX XXXX XXXX it is now XXXX XXXX XXXX The warranty company then asked for all receipts regarding my previous oil changes to rule out that the damage was my fault. I then sent all receipts XXXX day after they asked. I Purchased my car in XXXX XXXX XXXX, therefore I only had XXXX oil changes before my car started to malfunction. Today I was advised by the XXXX dealership that XXXX XXXX XXXX  would not covering any and all repairs to my car even though its stated Im covered in my contract. I have reached out to the warranty company and they have not provided me with any information as to why it is not being covered. This is completely unacceptable that this issue is not being covered and that I have been without a vehicle for months. If the company is not willing to resolve the issue I will be taking legal action immediately. The XXXX dealership has stated I have to pay XXXX for all fees for car diagnostics when they initially told me the cost was {$190.00} and it was also according to warranty service contract.

Company response to consumer: Closed with explanation