vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these inquiries are mine, Please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-11-17 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: CA

Complaint narrative:
This account was charged off : Since then, the date of last activity has been inconsistently updated on XXXX the date last active is ( XX/XX/XXXX ), XXXX the date last active is ( XX/XX/XXXX ), and on Equifax its ( XX/XX/XXXX ) If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 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: CA

Complaint narrative:
This account was charged off : Since then, the date of last activity has been inconsistently updated on XXXX the date last active is ( XX/XX/XXXX ), Experian the date last active is ( XX/XX/XXXX ), and on XXXX its ( XX/XX/XXXX ) If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from 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 explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> at XXXX PST I called Capital One Credit card services to request my negative balance of {$1000.00} be refunded to me by bank direct deposit. 

The customer service agent I spoke with, ( he stated his name was XXXX, or XXXX ), said I would have to have a paper check sent to me. I explained to him that I have personal experience with having been refunded by direct deposits in the past with the same banking entity, and additionally I have been informed by Capital One that it is possible for me to have my money returned to me by direct deposit. He stated that the ONLY way I could get my money returned was by a paper check. I told him I was informed by Capital One that in fact there are additional ways besides a paper check and one of those ways is by direct deposit. 

See this quote from Capital One 's webiste : https : //www.capitalone.com/learn-grow/money-management/overpay-credit-card/ Quote : " Request a refund If you have a negative balance and want the money back, you can make a written request to your credit card company for a refund. Your credit card company might also accept requests in person or over the phone. 

If you overpay your credit card by more than {$1.00} and request a refund, your credit card company must send you a refund within seven business days of getting your written request. The refund may come in the form of a bank account deposit, cash, a check or a money order. '' XXXX is deceiving me in an attempt to limit me from receiving my money by misinforming with disinformation and misrepresenting the truth. He not olny refused to be honest about my options, he purposefully left me with no options to receive my money in the way I need to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: 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 Credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 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: CA

Complaint narrative:
This account was charged off on the following date : Since then, the date of last activity has been inconsistently updated on Transunion the date last active is ( XX/XX/XXXX ), XXXX the date last active is ( XX/XX/XXXX ), and on XXXX its ( XX/XX/XXXX ) If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from 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 2024-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
At night on XX/XX/year>, I went to the Bank of America branch located on XXXX XXXX XXXX, XXXX, CA XXXX, where I attempted to withdrawl {$60.00} from my account. The failed to dispense it, displaying an error message for the money failing to dispense. It also stated that I would be issued a credit for the money I attempted to withdrawl. I was decieved and lied to by Bank of America because this was far from the truth. What happened instead was them stealing money from my account. I'm missing {$60.00} from my account, when they failed to provide me with any credit or cash. I attempted to reach out, and its been nothing short of a disaster. They've done nothing but provide me with false timeframes and false hope. No credit, instead I'm expected to wait and suffer due to their own incompetence. If I were to be short 2 weeks late on a payment, I'd be charged interest. However they're able to delay giving me the money back, which they stole from me. It was their faulty ATMs that caused this, and they refuse to be helpful or cooperative. I'm just expected to accept it. This is unacceptable. What the bank branch commited against me should be considered 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 monetary relief
Consumer complaint received 2024-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is the XXXX time I have filed a compliant My name is XXXX XXXX I live at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  please delete/remove any other addresses they are not mine. Please delete the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I would like to request a SECURITY PIN FOR ALL XXXX CREDIT BUREUAS.

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 2024-11-17 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:
On XX/XX/year>, I was scammed by a merchant posing as a legitimate vendor for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The tickets I purchased were entirely unusable, and I am requesting that Citi reopen my dispute and issue a refund for the {$230.00} I was charged. 

Here is a detailed account of what occurred : XXXX. Before the incident, I had already purchased valid tickets for the XXXX XXXX XXXXXXXX tour through the official website, XXXXXXXX XXXX XXXX XXXX XXXX  and was set to use these tickets on the specified day. 

XXXX. Upon exiting the subway, I was approached by an individual who misled me into purchasing XXXX additional tickets. They claimed that it was too late to use the official tickets I had already bought, and assured me that my original tickets would be refunded. Believing they were affiliated with the same organization, I agreed to purchase the additional tickets, which were printed for me on the spot. I have attached XXXX to this email. 

XXXX. After purchasing the tickets, I was instructed to follow another person to a separate location to board a bus for the tour. However, after waiting for some time, the individual left, and I was denied access to the bus. It soon became clear that the tickets I had purchased were fraudulent and not affiliated with the official tour in any way. 

XXXX. I later discovered that my original tickets, purchased from XXXXXXXX XXXX were still valid and could be used for the ferry. I successfully used these tickets to complete the tour, realizing that the scammers had no connection to the official event and that the tickets they sold me were worthless. 

XXXX. After this, I immediately filed a dispute with the credit card bank on the same day, but the dispute was denied on XX/XX/year>. 

It is intolerable for Citi to reverse the charge for this fraudulent merchant without conducting a proper investigation. The vendor engaged in fraudulent activity, and allowing them to retain my funds without consequence is unacceptable. I am requesting that Citi reopen this dispute and issue a refund for the {$230.00} I was charged for the fraudulent tickets.

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 2024-11-17 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: CA

Complaint narrative:
This account was charged off on the following date : Since then, the date of last activity has been inconsistently updated on XXXX the date last active is ( XX/XX/XXXX ), XXXX the date last active is ( XX/XX/XXXX ), and on Equifax its ( XX/XX/XXXX ) If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 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: CA

Complaint narrative:
This account was charged off on the following date : Since then, the date of last activity has been inconsistently updated on XXXX the date last active is ( XX/XX/XXXX ), Experian the date last active is ( XX/XX/XXXX ), and on XXXX its ( XX/XX/XXXX ) If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from 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 explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I went to XXXXXXXX XXXX XXXXXXXX to purchase a XXXX XXXXXXXX XXXX XXXX that was purchase for XXXX with XXXX XXXX down resulting in a XXXX loan. My paperwork says otherwise even with an undisclosed warranty fee of XXXX that I was verbally told was {$50.00} dollars a month only for the service. The numbers do not add up and was intentionally targeted to be taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Since the beginning of XX/XX/XXXX I have been in a relentless battle for the recovery of fund 's upon the closure of my Citibank savings account. Literally from talking with customer service over the phone to visiting at least 2-3 branches in XXXX XXXX , NV. I can get no where with them and they refused time and again to pay me back the money owed upon the closure of my account due to suspicious activity of my account related to fraud only they have absolutely no evidence I was responsible or to be found at fault as they have alluded in relation to our partnership. My cell phone number has recently changed to XXXX could someone please contact me so that I am aware of how to get my money back from them. It's been a very long time for someone to be owed {$2000.00} without a reasonable explanation as to exactly why and how can I help aid in the process of recovering my funds owed to me. They should be penalized as well as pay the interest accumulated upon holding my finances away from me. Institutions such as Bank 's should be held to the highest of standards in relation to other forms of service to the public especially regarding our hard earned money we are kept hidden from us with no clear end insight. As far as I am concerned the fund 's should be directly electronically deposited into my active Checking account with XXXX XXXX ASAP. They also should be fined {$100.00} daily everyday after they reach a 2yr period having denied previous customers like me there money. I'm a poor person living off my XXXX each month and have been homeless the past recent years gone by so it's been a long hardship having my day 's without money and able to pay for an apartment simply because they decided to hold indefinitely what could easily have been 1st and last month rent, but forced to stay in the streets because the incompetent nature a big corporation such as Citibank deserves to be held to the responsibility of an ex-client with no answers or fund 's in sight since at least XX/XX/XXXX to present day. This is unacceptable and should not be allowed further to myself or other 's.

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 2024-11-17 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: FL

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-11-17 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:
XXXX XXXX XXXX, XXXX XXXX This CFPB complaint has been filed In pursuant of FCRA 605B ( 15 u.s.c. -1681C -2 ) that you experian reporting agency, block information appealeing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This is fraudulent, and inaccurate, and false information the accounts and information that appears related to the aforementioned personal accounts These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, LA XXXX Dealership Information : Selling Dealer : XXXX XXXX XXXX Dealer Number : XXXX Dealer Address : XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, LA XXXX License Number : XXXX Temporary Tag Number : XXXX Phone : XXXX Deal # XXXX Contract No : XXXX Subject : Refund Request for Down Payment XXXX XXXX XXXX Details of Complaint : My name is XXXX XXXX. On XX/XX/XXXX, my husband and I visited XXXX XXXX XXXX ( Dealer # XXXX ) to purchase a XXXX XXXX XXXX ( XXXX : XXXX ), for which we were pre-qualified through Capital One Auto Finance. After waiting over three hours, the dealership claimed they " could not locate the car '' and convinced us to pay a {$1200.00} down payment under the pretense that the sale would proceed. However, due to unforeseen circumstances, my husband, who was the intended driver, was flown out of state for a new job that same week. As I am XXXX XXXX XXXX  due to a XXXX, we informed both the sales representative, XXXX XXXX, and the finance manager, XXXX XXXX, that we could no longer proceed with the purchase. Both assured us that a refund for the {$1200.00} down payment would be processed. 

It has now been 12 days, and despite multiple attempts to contact the dealership by phone, I have not received any response or my refund. I am concerned that this delay may be intentional to ensure commission for a car still in the lot, which raises serious ethical concerns. This process has caused undue stress, particularly as we had our special needs child with us during the visit. The prolonged process felt like a predatory sales tactic intended to ambush us into proceeding with the sale despite the car 's unavailability and our circumstances. 

I have retained a copy of the retail installment sale contract and provided the necessary information to Capital One, who agreed not to finance the vehicle due to my inability to purchase insurance or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
This has a XXXX filed due to a business I was a partner in that closed due to housing market and I lost my job and had to claim bankruptcy. 
I wish to have the bankruptcy and XXXX 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 explanation