vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2022 i purchased a XXXX XXXX from XXXX XXXX in XXXX, Fl ( XXXX XXXX ). After leaving the store my XXXX and family stated looking at the watch. And we felt that this watch was not new or a real XXXX. We went back into the store to return the watch. This was about 45 minutes from the time we purchased the watch. The behind the counter told use that she can't return it we have to talk to the owner and he left for the day and come XXXX Monday. we don't leave in XXXX we live in XXXX fl. 
The women took the bag and all the paperwork and went into the back room. She came out and told use we can have a store credit. At this time i didn't want to deal with this store. I call Citi bank ( Costco Card ) and the told me to cancel the card and then me a new card and started a dispute. 
I have filled a dispute twice with Visa Citi card. I don't have a invoice or sales contract because the women took it. I return the watch and Im out {$6900.00}. Citi band told me they can't do anymore i have to go to VISA. 
I have called the Vendor 5 or 6 times and he hung up on me and will not give me a copy of my invoice or return policy. I call the Florida Attorney General office and spoke with them. They told me to Contact CFPB to contact Visa. Citi Bank keeps asking for documents and the vendor took them? So i need to see if CFPB can help we settle this 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 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are unknown accounts that are being reported on my credit report. I have not applied for these nor I had any business with these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are unknown accounts that are being reported on my credit report. I have not applied for these nor I had any business with these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent written request on XX/XX/2022 asking EXPERIAN to do verification on my credit report and they did, EXPERIAN stated everything was accurate and I did a thorough research myself and found improper inaccuracies on credit report even after EXPERIAN did the thorough research. 

In accordance with the Fair Credit Reporting act EXPERIAN has violated my rights. 

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

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

Multiple improper inaccuracies found on the following account XXXX Account # 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 2022-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
I was deceived into thinking that I owe on a debt that is not mine and after five attempts to tell the agent that I would like to dispute this they still would not dispute this debt for me and I believe I have the right to dispute directly with this debt collection agency and I was denied that right and for that I would like to be compensated for my time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: MA

Complaint narrative:
I refer to Geminis letter dated XX/XX/2021, in relation to the above-captioned subject. In that letter, they declined my complaint several times. This is regarding a known scam, referenced by the FBI in their PSA ( attached ). Given my own commitment to sensible approaches to coping with situations of this nature, and my ( perhaps blind ) belief in the system, I had been optimistic for Geminis letter to deliver novel, practical, and helpful insights on the matter, which it summarily fails to do. I find it baffling and reprehensible that my money has been so egregiously misused in a fashion which violates their principles, which call me to defend my rights. ( Please check more in the letter I attached ) I also attached letters to the company and their responses. I also have the FBI formally engaged who are pursuing the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
This is a follow-up to the previous two complaints : XXXX and XXXX I received the attached letter from Barclays Card stating that they have attempted to contact me several times via phone regarding the status of this fraud. To date I have received a single phone call from a 'manager ' at Barclays Card on XX/XX/2022 stating that this issue would be resolved within a week from the date of that call. I have received no additional calls or contact nor, as of today, XX/XX/2022 at XXXX XXXX XXXX XXXX has this issue with my account been resolved. Nor has my credit score been restored. Nor have I received compensation for this fraud perpetrated upon myself. 

Barclays is not acting in good faith to resolve this issue that they caused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello I had Eight ( 8 ) insufficient fees assessed to my account. Two ( 2 ) in XXXX 2022, Four ( 4 ) in XXXX 2022, One ( 1 ) in XXXX 2022, One in XXXX 2022, Two ( 2 ) returned checks fees for XXXX. For the two returned checks I submitted a money order and both times it was returned to me via mail advising me to re-deposit the money order / check. 
Furthermore I have been unemployed due to Covid-19 however actively seeking employment. I sincerely can not afford this late fees assessed to my account it is totaling {$290.00} which I can apply towards an overdue bill or purchase food for my family.

Also I had my account for over 20 years and suddenly I am paying {$12.00} to keep this account going. I need help with resolving this on going matter. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
Despite at least XXXX separate attempts at disputing a collection account with Franklin Collections, they continue attempting to collect an account for XXXX XXXX XXXX XXXX. The original account was cleared by the original creditor as a result of fraud. The collection account was must also be cleared as fraudulent in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2022 a person submitted an application for credit using my information at XXXX. The fraudsters application was approved. I notified XXXX that its fraud but they cant do anything except freeze the credit line. I also notified Experian. Please help clear this up and get this person caught before they continue opening up more in my name!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc
State: MA

Complaint narrative:
I was in a multi-car, low speed crash, in traffic, XXXX years ago+. 
Only recently did I learn that it reports at careless driving with the company Checkr. Ive driven over 1 million miles in 4 decades plus, without incident. I am not a careless driver. This reporting is keeping me from driver for XXXX or XXXX. I need to make a living, to survive. Please remove or correct this reporting. TY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This information is not mine and is included on Experian and XXXX reports : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX This is included on XXXX report XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These are both addresses that my ex used to commit tax fraud. 
EX info : 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 explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I recently found a billing issue when I reviewed my credit report. Under U.S. 15. Code 1666 ( b ), billing errors include the creditor 's inability to accurately reflect a statement, a payment made by the debtor, or a credit line given to the debtor, as well as any computation errors or other accounting errors on a statement. As far as I'm aware, the creditor did not send me a statement 21 days prior, thus there shouldn't be any late payment on this account. This is definitely billing issues and I demand to see precise proof from the creditor 's bank account that I failed to pay and was deemed past due. The contested accounts is listed below. 
XXXX XXXX XXXX Balance Owed : {$4800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX of XXXX, and XXXX of XXXX, I submitted documents to Equifax proving that several inquires on my credit report were not authorized or duplicates of authorized inquiries. These documents included an Police report and FTC report. These inquires included XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I applied for and received a Capital One XXXX Card on XX/XX/XXXX. I used the card to make some grocery store purchases and book a hotel within the first week of activation. On XX/XX/XXXX my card was declined at the grocery store. I logged into the app and saw my card had been locked. There was no additional information. I had to XXXX the customer service number and call Capital One. I was told they locked my account due to fraud and they needed me to upload a picture of the front and back of my driver 's license, they would text me a secure link. I tried several times and kept getting an error message, they then sent the link to my husband 's phone and he also got the error message. It finally worked and I was disconnected. When I called back, I was told they could not verify through text they would need to do so via email. I provided my email address, and then uploaded a picture of the front and back of my card as directed. Capital One called me on XX/XX/XXXX to say they needed additional information and would send another link. On XX/XX/XXXX I uploaded the front and back of my license, my social security card and proof of address as requested. I received a call from Capital One on XX/XX/XXXX asking to call back with my card number as they were ready to unlock the card. When I called back they told me that no one called, they had my documents they had not been approved. It takes 7-10 business days so call back on XX/XX/XXXX if it was not unlocked. I called back on XX/XX/XXXX and was told it takes up to 10 business days call back on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Capital One letting me know my card had been locked. I called again on XX/XX/XXXX and was told my card was still locked for fraud and it would be another 14 business days. I asked to speak with a supervisor. When connected with a supervisor I was told that they could not verify what I had uploaded and I would need to upload again. It will be another 10 business days. I asked what charges were suspected of fraud and was not told as they said they cold not verify my identity. I expressed I was extremely dissatisfied with their customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: FL

Complaint narrative:
I ask for the late payment removal and it was granted to me during the pandemic. it has not yet been removed from my credit file. This late payment is being reported in XX/XX/2021 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