vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 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: CO

Complaint narrative:
I had a previous billing dispute with a fraudulent and highly abusive merchant. This dispute was related to moving charges in XX/XX/2023. I was in direct communication with this merchant in XX/XX/2023 to settle my claims against them because Citi failed to protect me during the billing dispute process. During my communications, the merchant became agitated with and proceeded to use my credit card number they had on file and charged my card WITHOUT my authorization in an amount of {$7600.00}. This was a fraudulent charge and again I did not authorize the charge. The merchant told me they could abuse the chargeback system with Citi and therefore were playing games to charge me card. I immediately called Citi to inform them of the fraud. I spent XXXX minutes with them on the phone where I was bounced around between fraud and billing disputes. Citi did not have an ability to cancel the authorization -despite it being fraud. Again, I did not move twice and I did not receive any goods or services for the XX/XX/2023 unauthorized transaction. I was alarmed that Citi was unable to detect this as fraud, given it was a duplicate charge from XX/XX/2023 and the merchant and I were involved in prior billing disputes. I then had to go back and forth with Citi for 2 weeks, providing proof that this was fraud and unauthorized. The entire process provided insight to how incompetent and chaotic Citi 's billing dispute department really is. I was given conflicting and contradictory information ( this wasnt the first time this has happened ), which could have been detrimental to my ability to recover these funds. The funds have been refunded by the merchant likely because XXXX XXXX realized the wire fraud they committed and the legal consequences for their actions. However I spent over 10 hours on this issue which was easily avoidable if Citi had the appropriate fraud protection controls in place. My account should never have been charged this amount without some fraud protection alerting me to the unauthorized use of my card. Citi did not apologize and again their incompetent systems and department threw up their hands. I filled multiple disputes on this latest charge trying to get my available credit back onto my account. Citi failed me. they did not protect their consumers. Luckily the deranged and psychotic merchant came to their senses, but I received a credit in NO PART DUE to Citi. 

Citi knew I was in dispute with the merchant. Citi knew this was a duplicate charge. And Citi should have had the controls in place to avoid this. Instead they failed me as a consumer and allowed a crazy merchant to make unauthorized and fraudulent charges on my account.

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 2023-12-28 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: MD

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SLM CORPORATION
State: MD

Complaint narrative:
I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score. Incorrect Account Information : There are inaccuracies in the account information reported, including : 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 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  These inaccuracies have unfairly impacted my creditworthiness. 

Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties. 

I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA. 

Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA. 

Thank you for your immediate attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: CA

Complaint narrative:
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 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 non-monetary relief
Consumer complaint received 2023-12-28 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: IL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous auto loans on my credit account that were no open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from ym credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Reached out to XXXX XXXX on XX/XX/23 and spoke with XXXX who advised he can not provide any documentation due to the balance being in collection. the property advised I can reach out directly to collections get this information but when I reached out rent Recovery advised that they only have documentation that was sent over from the property which Advises Im being billed a reletting fee and XXXX months of accelerated rent but does not specify for what month of accelerated rent I am being charged for neither when the unit was occupied to verify I am being billed CORRECTLY. The collections isnt able to verify as the property will not provide the information to them however they are still billing for a balance they seem to NOT be able to verify as accurate. The property is choosing NOT to assist. This is my second complaint regarding this company as the first issue was fraudulently reported as I can call and get documentation but when I called they advised they can not provide when the property was occupied neither what months Im being billed for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: CITIBANK, N.A.
State: GA

Complaint narrative:
guaranteed service of a loan of credit card an denied an put on credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: CA

Complaint narrative:
Remove the inquiries off of my Experian credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: IN

Complaint narrative:
XX/XX/2023, the phone number XXXX which comes through as a Potential Spam continues to call my husbands phone number and asks for me, by my nickname, saying that I owe money to a collection. I called the number and spoke to a woman named XXXX. She stated that this company name is Sequium and she had no information in regard to me owing any money using only my name ( again, a nickname ). She asked me for the phone number that they are calling and I would not give it to her. As I told her, " If you pull up my name and show that I do not owe money in collection to someone, then stop calling ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX & other reporting Agencies report my name as XXXX XXXX XXXX & / XXXX XXXX but it should only be reported as XXXX XXXX XXXX I have never been used any other way XXXX XXXX  XX/XX/XXXX Hard Inquiry Address XXXX XXXX XXXXXXXX / NOT AUTHORIZED XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Hard Inquiry NOT AUTHORIZED ( XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX & XXXX NOT XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX {$550.00} XXXX XXXXXXXX XXXX/ Derogatory Also there should be no other address listed except XXXX XXXX XXXX XXXX, XXXX But they have unauthorizedly been reporting several they have not been authorized to report such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, ME XXXX as well as an employment job referencing XXXX Moving and has never been given authorization to use

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: CT

Complaint narrative:
XXXX & other reporting Agencies report my name as XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX but it should only be reported as XXXX XXXX XXXX I have never been used any other way XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$550.00} XXXX XXXX XXXX XXXX Also there should be no other address listed except XXXX XXXX XXXX XXXX, XXXX But they have unauthorizedly been reporting several they have not been authorized to report such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX as well as an employment job referencing XXXXXXXX XXXX and has never been given authorization to use

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 2023-12-28 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:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving 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 non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: CA

Complaint narrative:
I have XXXX different accounts on cash up and they are not trying to help me with accessing them because I forgot my email but I know my name date of birth and social security number and all the addresses where the cards were sent to and they're still not helping me cash app support is denying me service without those those things I asked to speak to the manager if they can further assist me with cash app and contact support cash and they denied me to speak with the manager one of the guys names from cash up was XXXX he told me that he wasn't able to connect me with the manager unless I was a customer but I am a customer that's why I have XXXX cards with them well not to but XXXX cards with them and I have a balance of {$10.00} on one of them and they're denying me service or help is there any way you guys can help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TN

Complaint narrative:
I received a notification on XXXX Credit Bureau of a collection account : Credit Management LP located in XXXX, TX regarding to a bill from XXXX XXXX XXXX of an address I've never lived nor known anyone else lived at. 

I'm reporting Identity theft/fraud. The account isn't mine and I've tried getting proof from the collection agency and they haven't provided. I've contacted XXXX XXXX XXXX Fraud Department and nobody has returned my calls.

I'm currently XXXX XXXX XXXX XXXX  at the moment and live out of state. I will be returning to the area next month to file a police report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I called JPMorgan Chase Bank to renegotiate my CD, specifically to add funds to my existing CD. I have received a mailer that confirmed this, but when I look at my account online, the additional funds added to the CD are not there. They are still in the Checking Account. I called Chase Bank 4 times since XX/XX/XXXX and talked with the Escalations department. They say that a case has been opened on this, but they can not provide a timeline on when they will have this settled and will not guarantee that I will have my interest backdated to XX/XX/XXXX, nor any guarantee that the funds will be added to my CD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I lost my wallet, called Police, received Police report, then XXXX, TransUnion and XXXX did not remove off my credit report Completely erase from my account and account history!!!!

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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I lost my wallet, called Police, received Police report, then XXXX, XXXX and Equifax did not remove off my credit report Completely erase from my account and account history!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I lost my wallet, called Police, received Police report, then Experian, XXXX and XXXX did not remove off my credit report Completely erase from my account and account history!!!!

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 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
On XX/XX/XXXX, I deposited a live check, my paycheck, through Mobile Deposit. The next day, I realized that the funds did not post to my account. I called Chase Bank to remove the hold placed on my paycheck, and was told the payment processor was closed that day, and that Chase would not be able to release the funds. I was advised to call back the next week. 

I called Chase Bank again on the XXXX, and was told the same thing. I reached out to my HR team to escalate the issue. Today, I was provided a number to the payment processors treasury team ( XXXX XXXX XXXX ). 
I called Chase Bank three times today, XX/XX/XXXX. I provided Chase Bank the direct number to the treasury team whom could verify the validity of the check, but was told that it was not a verified number to call. When asked to explain the verification process ( ie, how is a phone number verified ), the agent declined to explain, saying that withholding this information was policy. 

Because of the hold placed on my paycheck, it is causing my account to overdraft, and is incurring overdraft fees as a result. The payment processor has confirmed with my HR team that the check has cleared, meaning Chase Bank has my money. Even though Chase Bank has the funds of my paycheck ( ie my present balance is positive ), they are STILL charging me overdraft fees. This behavior is predatory. Why am I being charged overdraft fees, when my present balance is positive? Chase Bank is incentivized to claim any provided number is not verified in order to continue to rack up overdraft fee revenue while the deposit is placed on hold. Ive worked in the banking industry for years ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and this is the first time Ive been a victim of such predatory practices.

Company response to consumer: Closed with explanation