vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 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: Payactiv, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX I used an ATM located inside a XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX The next day ( XX/XX/XXXX ) I left for XXXX, NY ( ticket receipt attached ). While in XXXX I used the same card ending in XXXX ( photo attached ) to make several transactions. I returned from XXXX on XX/XX/XXXX. On XX/XX/XXXX I went to the store and attempted to use my card ending in XXXX and the transaction was declined. I logged onto my account and discovered the balance was XXXX ( XXXX  ). I reviewed the transactions and noted that there were XXXX unauthorized transactions totaling {$5600.00}. This amount does not include all of the transaction fees that had accrued. The transactions occurred over a 6 ( six ) day period at 10 ( ten ) different locations ( transaction list attached ). I called the card company immediately after discovering turned off the card and filed a dispute claim. The card company responded on XX/XX/XXXX claiming that the disputed transactions were not found to be errors and funds would not be credited back. They noted that these transactions were authenticated with CHIP and PIN. But the card that was issued does not contain a chip and is a swipe only. I then filed a second ( 2nd ) level dispute providing copies of my airline tickets, police report XXXX ( can provide ), and photos of the card showing no CHIP. This issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: FL

Complaint narrative:
During XXXX I made a reservation at what was initially advertised as a hotel then once reservation submitted, hotel became XXXX. I immediately canceled reservation. XXXX XXXX ( the XXXX  ) appealed and Citi Bank ( Citi ) reversed the charges and credited my account. Then, XXXX XXXX submitted an absolutely fraudulent 2nd bill that I stayed at their XXXX  on dates I was NOT in XXXX. I have been diligently and aggressively interacting with Citi inclusive of monthly calls, sending them screen shots of information Citi has requested. And, I have offered multiple times to send them screen shot of my passport with visa data, as well as making transactions on my Citi credit card when I was in XXXX. Citi has listened and blown me off. Most recently, on XXXX, fraud supervisor told me she would work this problem out and get back to me in no later than 2 days. She never got back with me. 
And yes, I have kept meticulous records. As of today, XXXX, I have been told by another fraud supervisor that the case is closed b/c too much time has transpired. Point in fact, Citi has delayed taking appropriate action and is presently invoking bureaucratic jargon and procedures to NOT return/credit my money. As I submitted ALL the information Citi required this was the most basic of claims to resolve. XXXX XXXX most clearly perpetrated a fraudulent transaction against me via Citi and Citi was negligent in allowing this occur. Citi is responsible for protecting fraud against their card holders. It is abjectly clear, Citi failed in my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent your company a letter on XX/XX/XXXXXXXX  to request that you please include the additional information attached to my credit history report. As of yet, the account has not been added and I have not received a response. I am an authorized user on a XXXX XXXX card for my family member and you are not reporting this information. XXXX is already reporting this account. You may verify this information with the source, and I have included their contact details. Please see the referenced account below and see the attached dispute letter dated and time stamped and add the following account to my credit report : XXXX XXXX XXXX  XXXX Authorized user Credit limit {$30000.00} Open date XX/XX/XXXXXXXX  Contact XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
I was initially contacted by Professional Credit Services on my phone number XXXX regarding a debt collection call. They were looking for someone who was not me, XXXX XXXX. I told them during that phone call on XX/XX/XXXX XXXX at XXXX PST, that I was not the right person they were looking for. However, they have continued to call me even though I dont any debt to them. They have caused me stress, and emotional harm due to which I am unable to sleep at night and function properly during my day job. I am looking to seek a damage compensation and violation of privacy from them. 

I am attaching a screenshot of a call from their numberXXXX on XX/XX/ that was verified by the carrier during which I told them I am not the right owner of the debt and not to contact me. And additional screenshots of phone call and voicemails, regularly past that date in a daily basis despite of XXXX request.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX CFPB Complaint No. : XXXX Dear Equifax Representative , I am writing to follow up on my recent dispute submission, referenced under CFPB Complaint No. XXXX. I understand the importance of verifying my identity to protect my personal information, as emphasized in your previous communication. However, I wish to clarify that I have already submitted all required documentation to confirm my identity and address. 

The delay in resolving the inaccuracies in my credit report is not only inconvenient but also significantly detrimental to my financial stability and day-to-day life. These errors are adversely affecting essential aspects of my livelihood, such as my ability to acquire credit, seek housing, and manage my financial affairs effectively. 

Therefore, I respectfully urge a prompt review and correction of the disputed items in my credit report. The requested corrections, as previously detailed, include : Updating my current address to XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 
Correcting my phone number to XXXX. 
Rectifying my name to XXXX XXXX. 
Removing all outdated employment information. 
I trust that Equifax will expedite the processing of my dispute in light of these circumstances. Please acknowledge the receipt of my previously submitted documents and proceed with the necessary corrections without further delay. 

Your immediate attention to this matter is greatly appreciated. I look forward to a swift resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: PA

Complaint narrative:
I believe that LexisNexis Consumer Center has incorrect information about my driving record, as a result, all insurance agents have raised my rates. Previously in XXXX and XXXX, I was with XXXX insurance. During those years, I was involved in 2 accidents on XX/XX/XXXX and XX/XX/XXXX. Both were not my fault, yet somehow they were registered with LexisNexis as my fault. I did not receive my consumer report yet, but I know they have the incorrect information because I verified with XXXX recently that these accidents were not my fault ( letters are attached ). Moreover, I tried to get an insurance quote and all of them say that I have at-fault accidents in my name for the dates listed above ( example quote is attached ). I believe LexisNexis has the wrong information, and as a result, I can not find affordable car insurance. Please help me correct this record. All of my attempts to contact LexisNexis has just led to forums telling me to report any grievances to the CFPB. Even XXXX, which has on record stated that these accidents are not my fault, are charging me AS IF THESE ACCIDENTS WERE MY FAULT, and this is all because they are getting this information from LexisNexis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing to you once more to address significant legal concerns regarding the reporting of late payments on my student loan account and the management of my account since its acquisition. As a resident of California, I am protected by specific state laws in addition to my rights under federal law. 

First and foremost, I would like to address an issue with the transfer of my loan from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX to XXXX. I have not received full disclosure following this transfer, which is a requirement under federal law. Specifically, under the Fair Credit Reporting Act ( 15 U.S. Code 1681a ), any entity reporting credit information is mandated to maintain accuracy and full disclosure in its reporting practices. The lack of disclosure in this transfer is a concerning oversight that needs to be rectified. 

Additionally, I reiterate my concern regarding the compliance of XXXX with 15 U.S. Code 1681a. This statute clearly states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should not be communicated without explicit consumer consent. Given this, I request that XXXX respond, under penalty of perjury, confirming your compliance with these legal requirements and provide evidence or explanation demonstrating adherence to this federal statute. 

Furthermore, as per the stipulations of California law and your privacy agreement, I am officially withdrawing any consent, implied or otherwise, for the sharing of my personal information with non-affiliated third parties, including Consumer Reporting Agencies ( CRAs ). 

To resolve this matter, I require the following actions : 1. Immediate removal of all inaccurately reported late payments from my credit report.

2. A comprehensive review of my account to ensure all information is accurate and compliant with both federal and state laws, including full disclosures and proof you sent them.

3. An exact original copy of the entire Master Promissory Note, ( which has been pending for more than 3 weeks of my original request ) 4. Written confirmation that these actions have been completed. 

The seriousness of these issues necessitates your prompt and thorough attention. Non-compliance will leave me with no alternative but to seek legal recourse to protect and enforce my consumer rights. 

I expect a prompt and comprehensive response addressing each of these points in detail. 

Sincerely,

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing to you once more to address significant legal concerns regarding the reporting of late payments on my student loan account and the management of my account since its acquisition. As a resident of California, I am protected by specific state laws in addition to my rights under federal law. 

First and foremost, I would like to address an issue with the transfer of my loan from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX. I have not received full disclosure following this transfer, which is a requirement under federal law. Specifically, under the Fair Credit Reporting Act ( 15 U.S. Code 1681a ), any entity reporting credit information is mandated to maintain accuracy and full disclosure in its reporting practices. The lack of disclosure in this transfer is a concerning oversight that needs to be rectified. 

Additionally, I reiterate my concern regarding the compliance of XXXX with 15 U.S. Code 1681a. This statute clearly states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should not be communicated without explicit consumer consent. Given this, I request that XXXX respond, under penalty of perjury, confirming your compliance with these legal requirements and provide evidence or explanation demonstrating adherence to this federal statute. 

Furthermore, as per the stipulations of California law and your privacy agreement, I am officially withdrawing any consent, implied or otherwise, for the sharing of my personal information with non-affiliated third parties, including Consumer Reporting Agencies ( CRAs ). 

To resolve this matter, I require the following actions : 1. Immediate removal of all inaccurately reported late payments from my credit report.

2. A comprehensive review of my account to ensure all information is accurate and compliant with both federal and state laws, including full disclosures and proof you sent them.

3. An exact original copy of the entire Master Promissory Note, ( which has been pending for more than 3 weeks of my original request ) 4. Written confirmation that these actions have been completed. 

The seriousness of these issues necessitates your prompt and thorough attention. Non-compliance will leave me with no alternative but to seek legal recourse to protect and enforce my consumer rights. 

I expect a prompt and comprehensive response addressing each of these points in detail. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I dispute the validity and accuracy of the account listed below fully and i am also requesting verification of the alleged debt with a copy of the original purchase agreement and the agreement must be with the original creditor and signed by all parties involved. I'm requesting this because I have had different companies reach out to me about the same alleged debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
My {$25000.00} CD was hacked on XXXX and hackers tried to withdraw my money. I reported this to the fraud dept and a review was done in my favor and money was put back into my account. I asked to withdraw it since I did not feel comfortable leaving my money there since they already had poor security measures and I did not want to be hacked again. They told me they would have to charge me a $ XXXX fee for early withdrawal, which I did not agree to but accepted since I wanted my money.No check had been received after 10 days, I called the XXXX NJ post office and this is what they told me. A check was mailed to me with an incomplete address on it, so my post office had it but did not know what to do with it. So I called Marcus, and they told me they would issue a stop payment and when they received the funds back they would reissue and wire to me. It was sent by certified mail. The next thing I knew the check was in my mailbox, but no signature was requested, so I did not know it was out there. As soon as I got it, I called Marcus and they told me it was OK to deposit into my bank. I drove to my XXXXXXXX XXXX and sat down with the branch manager and explained my story and they also told me that the check should be ok. A week later on XXXX, it was returned to Marcus . So the money has never technically been withdrawn from my account. Marcus has had it this whole time. I have made about 25 calls total to Marcus to try and get my money and get a new story every time. When I call I ask for a supervisor each time, since most of their staff is clueless. They told me I needed to sign an affidavit for " lost check '' in order to get my money. I signed it but did several cross-outs on it since it did not pertain to this check situation. I returned to them. They now tell me it needs to be notarized and they will not accept any cross-outs. I do not feel comfortable signing a document that is not true. they said it was the only way I could get my money cause it was their policy. This is my money and I want it. The hackers had an easier time taking my money than me the owner. So Marcus bank has hijacked my money and it has been about 3 months they have held on to it with no interest to me. Please advise how I can withdraw MY MONEY ASAP, since I have been laid off and I need MY MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: LA

Complaint narrative:
Hello, I am contacting you in hopes to successfully dispute an account since I have already reached out to the collection agency on XX/XX/. I mailed them a letter requesting validation of the collection. They responded by mailing a letter telling me that the collection was verified without any documents with my signature or any other further evidence. However, I need to have this removed because it violates the Fair Debt Collection Practices Act by using misleading representations and unfair and deceptive practices in the attempted collection of a debt.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My account was flagged as 30 day late back in XXXX of XXXX  however this is my 2nd complaint to cfpb not only did the company illegally report the late payment but no correspondence was sent to me by telephone nor by email I was also recently told that per the customer agreement that the company can report late payment but I never received a copy of the customer agreement until I filed a report along with me requesting proof of correspondence letting me know my payment was due I have been a customer with capital one for 3 years and have never missed a payment and since they flagged my account with an inaccurate late payment all payments have been made on time. 

Capital One Walmart XXXX Showing late XX/XX/ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Unresolved dispute with Navy Federal Credit Union and seek your assistance in reaching a resolution as soon as possible. Utilizing the services of Navy Federal Credit Union, a total of XXXX USD was transferred from my account to the fraudsters impersonating a legit XXXX XXXX through Crypto.com using trickery, manipulation, advanced money extraction techniques, and lies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Upon reviewing my credit file, I have discovered inquiries and collections that are incorrect and fraudulent. These inaccuracies are damaging my credit score and financial reputation, and I request that they be promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IN

Complaint narrative:
It has come to my attention that since XXXX of XXXX, Lexis Nexis furnished information regarding a bankruptcy record on my consumer report & is in direct contravention of the Consumer Right to Privacy as outlined in 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose. The Congress emphasizes the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and a profound respect for the consumers right to privacy.

Failure to comply with the aforementioned statute exposes your agency to potential legal action. According to 15 U.S. Code 1681n, any willful noncompliance may result in civil liability. I want to emphasize that I am prepared to pursue legal recourse in small claims court in my city and state should the bankruptcy record not be promptly deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: TX

Complaint narrative:
I have made numerous attempts to dispute this account, but unfortunately, I have not been successful. I have provided police and ftc reports as evidence of my identity theft, and I have also disputed the account on the grounds that the creditor has unlawfully altered the report. I kindly request that you remove this account from 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