vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-04 00:00:00
Product: Credit card or prepaid 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: NY

Complaint narrative:
In XXXX, XXXX, I noticed that I have been charged $ XXXX monthly by a company called XXXX XXXX XXXX. Their website is XXXX. 

I checked my past statements and realized they have been charging my CitiBank credit card for over a year. This was all done without my knowledge or consent. I did not recognize these charges and investigated. I saw that it is a company that sells real estate reports on properties. 

I never sought their service. I did not even know their company 's existence. I never received any product or service from them, nor did I ever attempt to make any purchase with them. I definitely did not agree to pay them $ XXXX for so many months. 

I reported this issue to CitiBank. They ruled in favor of the merchant, who claims that I have been authorizing these charges every month for their product or service. 

I have not ever received or used a single product or service from this subscription they have been charging me for. I did not agree or consent to these charges. 

CitiBank ruled in favor of the merchant without even listening to my concerns or statements. The merchant could not even provide proof that I used their product or service even once. Again, I did not make this purchase. I did not agree to any of it. Why am I being held liable for fraudulent charges that I did not myself make? Why am I being held liable for fraudulent purchases for which I did not use any of the product or service? 

CitiBank sides with businesses that participate in credit card fraud and predatory business practices. As a CitiBank customer for over 30, maybe 40 years, this has been an extremely disappointing and haunting experience. I am out thousands of dollars, and my bank is not protecting me when I am clearly a victim of credit card 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 explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I had a loan with Ally Auto. I paid the loan off on XXXX XXXX. I was assured my Title was sent to me on XX/XX/2022. As of today XXXX XXXX I have not received the title. I have made numerous calls to Ally Executive Customer Relations, approximately 20, in an attempt to resolve this issue to no avail. I am frustrated and find no other recourse but to file a 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 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
When I went to the dealership they ran my credit multiple times even though I already had an approval from XXXX on XXXX, XXXX. All these inquires are fraud! I listed them below. XX/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 Their is a total of 8 fraudulent hard inquiries on my Equifax credit report. By law they must be removed. Attached is my police report showing I have reported these inquiries and below are other hard inquiries that I did not authorize making them also fraudulent XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I tried to get me credit reports from my annual credit. I was able to get XXXX  but i was not able to get Equifax or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I requested my consumer reports via XXXX and XXXX, and XXXX gave denied my request. I would like my consumer report and credit file from both companies and Transunion also.

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 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I requested my consumer reports via XXXX and XXXX, and Experian gave denied my request. I would like my consumer report and credit file from both companies and XXXX also.

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 2022-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX of 2022, I had done one transaction. The amount was {$21.00} through XXXX. I was supposed to have sent {$40.00} to a seller for some virtual items for a video game, but we were having issues getting the last {$20.00} to them so we had to use XXXX XXXX. The reason there is 2 transactions is because I had sent the money to a receiver that the seller told me to send the money to, but after I had sent it, said the receiver was having issues retrieving the money. They gave me another person 's information to send the money to. However, the seller never gave me the virtual items and I had to file a dispute with my bank- Chase. On top of this, the seller suddenly disappeared from social media so it wasn't as if I could easily get my money back. I explained the situation to Chase and they gave me temporary credit. Now, I was given a letter saying that they were going to remove this temporary credit on XX/XX/XXXX because they found no errors in that instance. The claim ID is XXXX or XXXX This also does not factor in that I got scammed yet again by who I suspect was the same person using a different name in the amount of {$21.00} via XXXX XXXX on XX/XX/XXXX. The Claim ID for this is XXXX. I have not received a letter yet but am not shocked if Chase reverses the credit by claiming that it was an authorized transaction as well. I still NEVER got ANY items. 

It is currently XX/XX/2022 at the time of me typing this out. Essentially, I am now out of the total amount of {$43.00}. I am very mad that Chase is doing this and I am demanding my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have asked the credit bureaus to remove addresses that not mine my correct address is XXXX XXXX XXXX XXXX, XXXX, AL XXXX I am including a bill with my correct address on it .Please DELETE the wrong addresses XXXX XXXX XXXX, XXXX XXXX Ohio XXXX, XXXX XXXX XXXX, XXXX XXXX AL, XXXX. The following jobs are not mine XXXX MO, XXXX XXXX XXXX, UH My current job is XXXX XXXX. I should have ONE variation of my name that is XXXXXXXX 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 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I tried to get me credit reports from my annual credit. I was able to get XXXX but i was not able to get XXXX or Experian.

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 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY .... 15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED INCLUDING INQUIRIES WHICH WERE NOT DONE BY ME, XXXX AND XXXX CREDIT BUREAU INQUIRIES BELOW : ******FACTUAL DATA XX/XX/XXXX ***UXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ***XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXS ***XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX AND EXPERIAN ***XXXX XXXX SHOWS A XXXX BALANCE THIS CREDIT CARD WAS PAID TO A XXXX BALANCE I ASK GRACIOUSLY IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY .... 15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED. 

***XXXX XXXX XXXXXXXX XXXX IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY .... 15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED. 

XXXX XXXX AND EXPERIAN XXXX XXXX  CREDIT CARD AND XXXX XXXX CREDIT CARD IS MY CREDIT CARDS AND WAS PAID TO XXXX BALANCE ..THESE TWO ACCOUNTS SHOULD BE UPDATED TO PAID TO A XXXX BALANCE. **** THIS IS NOT ACCURATE ON MY 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 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
This is the second time I had to do this with Synchrony BankXXXX XXXX XXXX Synchrony just sold old information to another credit collection agency which is called XXXX XXXX XXXX this summer. I was unaware of this until I got a notification from XXXX. This resulted a decrease in my credit score AGAIN by XXXX points on XXXX. I filed numerous disputes a few years ago and finally it was taken care of and removed from my credit report. Synchrony Bank even sent me a letter they were going to remove it last time after speaking with them on the phone also verifying I had a XXXX balance. The following attachments show disputed results from last time. 

I want this removed from my credit report again, all of them because I am at a XXXX balance and I havent used this card in XXXX  years. If there is anything reflecting a balance it is not 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 explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
On XX/XX/XXXX Wells Fargo called me asking me to transfer money to cover my balance the amount of XXXX. Turned out to be a fraud call. I went right away to the bank to report it .closed the account and debit card. Re opened new account made a claim to bank for fraud and loss. XX/XX/XXXX they closed the claim saying it was authorized and no processing errors. I have been with this bank for over 30 years and they can see I have never done XXXX transfers from my account. I also have a mortgage with this bank.I am asking them to fix this error that occurred and to return my loss

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 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM XXXX XXXX A NATURAL-BORN PERSON. " In light of recent investigations brought upon Equifax, I find that my consumer file is being irresponsibly tampered with. Over the past 3 months, I have made several attempts to remind EQUIFAX and XXXX of their duty pursuant to 15 USC 1681. It appears that Equifax is intentionally and willfully neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, and promised accuracy in my report based on federal law. I am making this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A5 ) says that after the reinvestigation ... .... all of the unverified information must promptly be removed. They can see in their system that this account was previously disputed without being verified. Equifax AND XXXX have violated my right to privacy I NEVER GAVE THEM Permissible purpose to Furnish any information on my behalf. under 15 USC 1681 ( a3 ) .They assumed this role without permission. They did not have my consent. They do not respect my right to privacy which is under 15 USC 1681 ( a4 ). The accounts being disputed are XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Accounts disputed with XXXX are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I found a BofA refund check in the amount of XXXX dated XX/XX/2013 for XXXX XXXX XXXX I did not receive. I also found a second notice from BofA to call to reissue this check. I went to several BoA locations in Michigan and Maryland to get a reissue of this check. Still, they kept telling me that they were not responsible for reissuing the check, even after XXXX XXXX told them that it was their responsibility. Bof A told me to check unclaimed properties and I found nothing on any of the states where I lived or where the B of A headquarters are located. I finally received the number of a BofA corporate banker, XXXX XXXX ( XXXX ) XXXX, and called, but they did not respond. 

At this point, I know that because it was not reported as unclaimed as required by law ( as the funds were a return of my own money ) that the funds were stolen.

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 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, 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:
The following lenders have accounts opened under my name without my consent. The address they have on file for me doesn't even correlate with my home address. I am a victim of identity fraud, I have filed an FTC report and filed a police report. I am demanding the following listed lenders update my credit report within 30 days of receiving this or I will pursue more legal action to file law suit under fair credit reporting act section 609. 
XXXX XXXX Opened XXXX XXXX in amount of {$2200.00} XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX in amount of {$950.00} XXXX XXXX XXXX  Opened XX/XX/XXXX in amount of {$710.00} XXXX XXXX XXXX  Opened XX/XX/XXXX in amount of {$650.00} XXXX XXXX XXXX Opened XX/XX/XXXX in amount of {$590.00} XXXX XXXX XXXX  Opened XXXX XXXX in amount of {$330.00} Below I have attached my identity theft report that contains additional creditors who also have unlawfully opened accounts under my name.

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 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have asked the credit bureaus to remove addresses that not mine my correct address is XXXX XXXX XXXX XXXX, XXXX, AL XXXX I am including a bill with my correct address on it .Please DELETE the wrong addresses XXXX XXXX XXXX, XXXX XXXX Ohio XXXX, XXXX XXXX XXXX, XXXX XXXX AL, XXXX. The following jobs are not mine XXXX MO, XXXX XXXX XXXX, UH My current job is XXXX XXXX. I should have ONE variation of my name that is XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I have been disputing several items on my credit report as far as what its showing for student loans from schools, to lies about be owning money for damages to an apartment I never done, to identify theft

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 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, 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 XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, 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 XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
Currently leasing a XXXX XXXX XXXX XXXX  from Hyundai paying $ XXXX. Requested registration transfer from NY to WA Issue : It has not been done as of XX/XX/2021 XXXX XXXXrequested Title transfer and Power of Attorney from Hyundai website . Website states it takes 6-8wks. Also faxed request from WA state DMV office. Spoke to some agents over the phone during that time who had told me to fax and complete the online document. Checked in over the phone by calling Hyundai motor finance ( HMF ) starting XX/XX/XXXX. The agent i spoke to said it would be done by the XXXX. Called on the XXXX and the agent said that it is an absurd long wait and escalated my case to the Titles department. She said she sent an email. Gave me an escalation # XXXX. Told me it would be done by the end of the week. Called the next Tuesday on the XXXX. Spoke to a regular agent and a special agent who sent another email to the titles department. Said i should receive an email with the XXXX tracking number for the documents in 5 business days. Called on the XXXX. Spoke to a regular agent and then a special agent who said they would send an email to the titles department and it should be done in 10 business days. Called Hyundai consumer affairs on the XXXX to complain about HMF but i was told by the agent that they would call me back after speaking to HMF. Have yet to hear back. Spoke to at least 3 agents at HMF in the XXXX. I was told there's nothing they can do-even when i requested a manager. They also said they can't provide me with a log of the case ( they never send emails for confirmation or updates after any call ). Called HMF on the XXXX who gave me these emails : XXXX and XXXX. She told me to send my account #, vin, contact information, state i am requesting a title and POA and where to mail it to. Sent the email at XXXX on the XXXX. Have yet to receive word about whether they received the email of if they are working on it. I am unable to drive the car and i am currently paying parking for the car as well as the monthly lease

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