vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> I received a letter of the debt in the amount of {$880.00} by XXXX XXXX XXXX, XXXX. I am not trying to dispute and show proof that I was in prison when I was a victim of identity theft. I would like to have the debt amount in XXXX taken off my credit records. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX and I reported a set of fraudulent charges on our BofA credit card to both BofA fraud division, and to XXXX, the merchant who allowed these fraudulent charges to occur through multiple vendors on their site. Initially, BofA agreed and removed the XXXX charges totalling {$1300.00}. We asked BofA to obtain documentation on where these items were shipped to and delivered - name and addresses. We never ordered nor received any of these items. We have had XXXX follow-up XXXX XXXX between XX/XX/year> and XX/XX/year> with the BofA fraud division. Each time they assure us they will get the requested documentation from XXXX. Each time, XXXX XXXX continues to reject our claim without producing the requested documentation. We have also been unable to get this documentation from XXXX, despite several requests. We have a spreadsheet detailing the transactions which are below in document upload. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 & XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : UNKNOWN : Account Number : XXXX Account Name : UNKNOWN : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/XXXX 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 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 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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 XXXX XXXX XXXX. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX 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 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 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 2024-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/2024 I initiated a wire transfer for {$25000.00} from my personal Wise account to my personal XXXX XXXX account in XXXX XXXX XXXX XXXX. The funds were wired first to Citibank ( domestic bank intermediary ) but never arrived at my account in XXXX. XXXX reportedly partners with XXXX XXXX XXXX to provide the wiring services. The funds remain missing. I have numerous emails from XXXX support team advising that I contact Citibank to return the funds. However, Citibank emails claim that only XXXX can authorize an investigation or recall of the funds. After much pleading, XXXX reportedly issued a " recall '' of the funds but sent me an email today ( XX/XX/XXXX ) claiming this was unsuccessful and " there is nothing more '' they can do ( they provided no verification that they had actually made an effort to retrieve the funds on my behalf ). I also met with a XXXX XXXX XXXX XXXX locally in XXXX ( XX/XX/XXXX ) who couldn't help with researching the missing funds ( even though XXXX XXXX XXXX managed the wire ), in part because I don't have a banking account with them. I have a copy of the Wire Transaction Details ( with the XXXX XXXX logo ) indicating that the initial beneficiary bank is Citibank XXXX. I am now " stuck '' as XXXX won't assist, XXXX XXXX won't assist, and Citibank claims only XXXX can issue a recall. It seems Citibank has captured a {$25000.00} windfall that is my money ( which I desperately need ). 
My complaint relates to all parties involved, who have participated in the transfer of funds, and have been unhelpful at locating and returning the funds : XXXX, XXXX XXXX XXXX, and Citibank ( who I believe is holding the missing funds ).

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 2024-05-31 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: SLM CORPORATION
State: LA

Complaint narrative:
Sallie Mae violated Federal law by violating 15 U.S. Code 6802 and 1681a. They did not give me a non disclosure options as required by federal law in 15 usc 6802. They also did finished transaction information on my consumer report that is excluded from my consumer report based on 15 usc 1681a ( 2 ) Exclusions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have had issues with my primary bank account regarding flagged transactions or ACH payments being returned. Unfortunately this has led to a number of Capital One payments being returned on my account. 

The customer service rep informed me that XXXX payments had been returned in the last 7 months. This led to Capital One closing not XXXX, but XXXX of my accounts with no notice as of XX/XX/24. 

Despite having returned payments, I have never missed a payment and the majority of months have paid my balance due for the month and not accrued interest. 

Capital One gave me no previous notice of infractions, or warning of any kind regarding this. The closure was sudden and unexpected. I even processed another payment to cover all overages yesterday, not realizing that the account had been closed and would be unable to be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: NC

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Access to my accounts via Chase Online banking requires a 2-step verification process. After logging in with my password, the next verification step consists of receiving a code ( via text message or automated phone call to the phone number registered under my accounts ). I live XXXX and my phone number is not a XXXX number. Chase seems to have changed its policies, which now mean that they do not longer contact XXXX numbers. Due to this I get stuck in the XXXX verification step and as a result, I am locked out from my own accounts. To add to the problem, Chase customer service will not help me find a solution to the problem before they can authenticate my identity, by providing a XXXX social security number, which I do not have. I have always being based XXXX. My checking account at Chase was opened by the XXXX company I used to work for more than XXXX  years ago. I have called Chase customer service many times, repeating my query to countless people I have been put through and the only solution they give me is to visit a Chase branch in person, which I can not do since I live in XXXX. I have logged a complaint with Chase and was promised a call back to help me with my case but, after weeks of trying, that has not happened. I hope the CFPB can help get through Chase negligence and complete disregard for customer rights. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 : 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 XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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  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 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 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 2024-05-31 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was in XXXX and when I returned I noticed a charge for {$540.00} on my card for XX/XX/XXXX for a general contractor. It is under the term " XXXX '' which I have since learned is similar to XXXX but in XXXX. I submitted it to Chase and they denied the fraud claim saying I benefitted from the purchase. How did they decide that? It makes no sense. So I called back and spoke to a lady who was very helpful and helped me walk through my day to pinpoint when it could have been charged. We traced it to a restaurant in XXXX. When the waiter brought the bill, I gave them my card. They must have swiped it and fraudulently charged me at that time. I asked Chase to look at it again and just a few days later they said the charge is valid. What recourse do I have? I absolutely did not make a {$540.00} purchase for general contracting while vacationing in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On Tuesday, XX/XX/XXXX I received a text message alert from Capital One Bank stating that I was trying to make a {$950.00} purchase was that me or was it an authorized purchase? I replied no and then I called the number provided in the text. Upon calling I found out that there were several transactions that I had not completed/authorized. I immediately filed a dispute and while I was on the phone with the representative, I noticed that my wallet was in fact missing. I informed him at that time that my wallet was missing, however I did remember that I stupidly wrote the pin number on the sleeve that it came in. He said no worries and filed the dispute for me. There was XXXX more transaction in pending I was advised that I had to wait for that XXXX to clear before I could file that transaction as a dispute as well. I called back on Friday XX/XX/XXXX and filed that one as well. 

On Thursday XX/XX/XXXX I called back to get an update. I was informed that my claim had been denied. I asked why and was told something about the card was in my possession. I spoke with several employees trying to get a clearer understanding of what was going on. XXXX told me that the claim was denied and there was nothing I could do about it. I am literally on the phone in tears because I need my money to pay my bills. I called back and another representative gave me the email to send my police report. I called back and finally asked for a Supervisor. She informed me that the original person who filed my claim said that I had that debit card. I said no ma'am I did not and if that was the case why did he XXXX XXXX  me a card that I received in XXXX days. She did apologize and stated that she was reopening the case to include that information. I told her to pull the call because I clearly did not tell him that. I also stated that I felt the issue should be expedited because that was an error on the part of Capital One not me, because he put the wrong info. I sent in the police report and I have done what I need to do on my end. 

All I want is my money. That was {$2400.00} that I worked hard for and I need. Capital One does not want to assist me and they are giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a XXXX ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-05-31 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: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit health.

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Despite my efforts, these issues are unresolved. Enclosed is my letter to the credit bureaus. Your firm called my request " frivolous '' or " irrelevant. '' This is important to me. If ignored, I will report to the FTC. Provide evidence of the item or remove it from my report immediately.

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 2024-05-31 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: VA

Complaint narrative:
I am writing to follow up on my previous dispute regarding the negative accounts on my credit file, which I believe to be unverified and unjust. Despite my earlier correspondence, I am dismayed to find that these negative items still persist on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to follow up on my previous dispute regarding the negative accounts on my credit file, which I believe to be unverified and unjust. Despite my earlier correspondence, I am dismayed to find that these negative items still persist 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 2024-05-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
I did leased a XXXX XXXX from American Honda Finance , the lease number is : XXXX, it has been paid off since XX/XX/year>. It is still shown on my Credit report. This morning I called the XXXX Credit bureau to request that debt to be removed from my Credit report, they asked me to contact the creditor so it may report the paid in full letter to them, Which I did. But the XXXX XXXX sent the letter to me instead sending it to the Credit Bureaus.

Company response to consumer: Closed with explanation