vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-05 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: MI

Complaint narrative:
Inquiry was submitted that I did not complete on my 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 2023-10-05 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: NC

Complaint narrative:
The identified transactions on my federally protected consumer file are not transactions furnished on my consumer file by me. no consent is identity theft. these federal laws are to be followed and must not be broken and i have been violated of unlawful acts by XXXX, XXXX transunion and the furnishers of this information. 15 USC 6802 obligations with respect of disclosure of personal information B ) ( 1 ) ( a ) ( b ) ( c ) never was given OPTIONS. they do not have no disclose form i have right to privacy. i have provided necessary documentation of federal consumer protected law which the cra is govered by. 15 USC 1681B ( a ) ( c ) ( 2 ) the unlawful act they have committed needs to be changed before seeking remedy in exchanged. This is the start if an administrative process if this identity theft of my NONPUBLIC personal information is not removed off the file. SEE ATTACHED.

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 2023-10-05 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: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
Inquires were placed on my credit reports that I did not complete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-05 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: GA

Complaint narrative:
I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said accounts. 
Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & 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
Consumer complaint received 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I receive yesterday a communication letter from CITIBANK about the Dispute They are not able to resolve on my behalf due to the Answer from the merchant. 
In the letter they stated as a Courtesy they provided credit in XXXX of the XXXX Disputed I have with the same merchant for Incompetent services received from merchant. 
I would like to have CITIBANK provide me the process under VISA Policy in regards Disputes for Services not received and the Fact I had to pay for the same Repair for the same part of my truck twice, I don't believe I have to be responsible to make any payments in the amount disputed for {$1000.00}. 

So At this time I would like to report CITIBANK has violated the Following : Federal Section 15 U.S. Code 1666i and California Sections 1740.40,1747.50,1747.60,1747.65.

This is my last effort and to have it reflect it as an exhaust Administrative Option before I take legal Action against CITIBANK along with another Matter I have pending. I already Informed the CFPB Ombudsman in regards this Dispute I have with CITIBANK.

If CITIBANK still deny assistance and due to its Actions making reports to the Credit Agencies and damage my credit report, by Law I make CITIBANK Liable for XXXX times the amount on Dispute.

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 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I bought an ounce of gold from XXXX for {$2000.00} but never received it. I called the usps to see what happened as the proof of delivery said it was delivered on XX/XX/2023 and signed for by me, but the signature was not mine and I did not receive any package. The XXXX apologized and acknowledged the signature was not mine when I complained but said it was the merchants responsibility to handle the matter as they were the ones who would have insured the package ( I am unsure if they did in fact insure the package ). I then called XXXX, who said the item was sold by a third party merchant, and that all they could do was contact them and have them respond to me, and that I should dispute the charge with my credit card company. The third party merchant, XXXX, responded and apologized for the issue but since the XXXX tracking had the package as delivered they would have to investigate it. They requested I file a police report, which I did, and said they would respond when they complete their investigation. I have contacted them several times since and have received the same response, that they are still investigating the issue. Since I made the purchase with my Citi bank Best Buy Visa card, I contacted Citi bank to dispute the charge on the grounds I never received my purchase. Initially they sided with me on the issue after I provided documentation, but subsequently changed their decision and put the charge back on my card. I reopened the dispute and am still waiting for a response.

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 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I reported transactions on the credit card that merchant did not provide service for and no subscription was in place. I filed this dispute in good faith to receive refund for these transactions. I am surprised that the credit card company did not go through with the dispute because they wanted additional information from me. I wonder what that means because I have no additional information to provided. The case number I have received this disappointing response from the credit card company are : Case number XXXX for {$7.00} ; XXXX for {$95.00} ; XXXX for {$7.00} and XXXX for {$7.00}. I even requested that they stop further charges coming from XXXX XXXX for {$7.00}, that they refused to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: DISCOVER BANK
State: FL

Complaint narrative:
My identity was stolen and someone used it to open accounts in my name. It has been an absolute nightmare and I can't seem to get anything resolved I'm almost at XXXXhe point of giving up. Discover keeps sending me a statement they have on file for me for {$210.00} for an account I never heard or opened each time I dispute with them, its getting ridiculous I'm just going in circles with an account I never opened. I've sent my police report number, notarized identity theft affidavit, frozen my credit report, spoke with them on the phone multiple times but all they do is send me mail with the fraudulent account and nothing is ever resolved and they are not interested in helping resolve anything what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-05 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: 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX XXXX XXXX section XXXX A. XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

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 2023-10-05 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: FL

Complaint narrative:
I CONSTANTLY CHECK MY CREDIT REPORT AND NOTICED THAT THE ERRORS AND FALSE MISLEADING INFORMATION FOR INDIVIDUAL ACCOUNTS DIDNT QUITE MEET THE CREDIT REPORTING STANDARDS OF BEING 100 % CORRECT. THIS HAS DAMAGED ME AND HELD ME BACK FOR SOME TIME. I'M NOW DEMANDING THE CFPB TO ENFORCE THE CORRECTION AND OR DELETION OF THESE ITEMS. TWO NEW MEDICAL ACCOUNTS HAVE BEEN REPORTED ON MY CREDIT REPORT WITH TRANSUNION ONLY AND ACCORDING TO 15 US CODE 1681a ( 3 ) THESE MEDICAL COLLECTIONS ARE IN VIOLATION AND CANT BE ON MY CREDIT REPORT XXXX XXXX AND THE ORIGINAL CREDITOR IS EMERGENCY RESOURCES GROUP IN WHICH MEDICAL COLLECTIONS ACCOUNTS HAVE ALREADY BEEN 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 2023-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
MOHELA has misapplied my payments and currently does not know where the money is. I have bank statements going back as far as of XX/XX/XXXX showing money withdrawn from my account and CLEARING my account. 
I tried calling MOHELA yesterday ( XX/XX/XXXX ), however it was over a XXXX minute wait. I called them this morning and waited over XXXX minutes. I spoke to XXXX @ MOHELA around XXXX XXXX ( XXXX  ) and she was a trainee and unable to assist me with my concern. I waited on hold for another XXXX minutes and spoke to XXXX @ MOHELA around XXXX XXXX ( XXXXXXXX ). 
Per XXXX @ MOHELA, in their system it shows that payments were made and/or cancelled or reversed on their end. She went over the amounts and their information is way off. Per XXXX, nothing appears to be wrong on their end and now wants me to submit a substantial amount of proof, which is going to take me a lot of time to gather and send over. There is something wrong with their system or someone may be embezzling money on their end. 
This should not be happening to me and it is wasting a lot of my time on their errors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
XX/XX/23. & XXXX XX/XX/23. {$50.00} XX/XX/23 {$20.00} XX/XX/23 {$200.00} XX/XX/23 {$300.00} These amounts were transferred from my personal checkings accounts to my investments and it does not include amount already in my investment account. 
Plus interest earned. 

I noticed a {$300.00} and they simply responded with s to stating amounts were reversed. That was not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: RI

Complaint narrative:
THESE ACCOUNT NOT MINE 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 XXXXXXXX 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 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was the victim of identity fraud on XX/XX/2023. The hackers got my phone number transferred them. I immediately, within minutes or an hour, called BofA to report it. I was told to go into a BofA branch. I did this immediately after the hack. I told BofA to stop any transactions and to cancel my credit card immediately ; both to the customer support line and in the branch. I did notice a {$9200.00} cash advance that I did not initiate and made BofA aware of that. I was told everything was taken care of. I have never asked for a cash advance and it was crystal clear this was fraud.

BofA then transferred the money to the hackers, which I say is a level of incompetence that shocked me given the multiple warnings and the unusual nature of the transaction. I assumed that BofA would not transfer the money to the hackers but I was floored to see the {$9200.00} on my XXXX statement and a direct deposit transaction fee of {$270.00}. I, again, went into a branch in XXXX  XXXX ( while on vacation ), to resolve the issue. The BofA fraud department listed it as a fraud claim and the my claim was resolved for the {$9200.00}. I was told the {$270.00} fee would also be refunded. 

But no ... .I get my XXXX statement and the {$270.00} was still there plus a charge of {$1.00} interest. Again, more calls, to resolve it. As of today, my balance is {$0.00}. 

BofA errors : 1. Despite my telling them multiple times, they forwarded money to the hackers. 2. Made me make multiple multiple calls and take time out from my vacation to fix what was an error on BofA part. 3. Encouraging hackers to attack BofA customers due to lack security.

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 2023-10-05 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: AR

Complaint narrative:
My name is XXXX, a federally protected consumer, and I am making this complaint against ( National Credit System ) for committing identity theft. I have never given ( National Credit System ), any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with ( National Credit System ) and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving ( National Credit System ) any right to collect on this alleged debt. I have never received any documentation requesting validation from ( National Credit System ), before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( National Credit System ), can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( National Credit System ), can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( National Credit System ), continues its collection efforts, I will file for litigation for actual damages caused and, ( National Credit System ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: MI

Complaint narrative:
Fraudulent inquiry present on my 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