vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TN

Complaint narrative:
either the company, as well as any debts belonging to original proprietor, has been bought by another debt company slightly different in name, or they simply don't assist in helping see all your options from a legal standpoint. I was informed by Jefferson Capital that if I had this dropped off from my credit report that it would dramatically decrease my credit score as its taking age from my credit report. I was misled in the beginning, lead to believe my original debt with XXXX was settled as I made a payment towards an outstanding debt that was eventually going to get settled by myself, until all of a sudden collections had it, even though I was specifically informed that that would not be the case. I called jefferson capital multiple times over the past year and all they seem to promote is a supposed XXXX dollar fee to run credit/consumer report and then provide options. this last time I did pay the dollar and was basically informed that if I didn't pay XXXX XXXX dollars per month to a credit building program then I had no other options. paying a monthly fee simply to have my credit report monitored/corrected just didn't seem viable seeing as I am the one who's been assigned this task, by myself. 
As well, I was told on the phone that there were many errors and I would easily be able to dispute it. the catch was that it would've had to have been through their service for the monthly fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: CITIBANK, N.A.

Complaint narrative:
Dear Sir/Madam, I am writing to formally lodge a complaint against Citibank concerning an unauthorized charge on my Citi Rewards+ Card. Below are the details of the issue : Citibank Checking Account Number : XXXX Unauthorized Transaction Amount : {$69.00} Transaction Date : XX/XX/2024 Merchant : XXXX XXXX XXXX On XX/XX/2024, my card was charged {$69.00} by the merchant XXXX XXXX XXXX. I did not make this purchase, and it appears that my card details were stolen and used without my knowledge. 

I filed a dispute with Citi Bank as soon as I noticed the charge, explaining that I did not make this transaction. Unfortunately, after their investigation, the bank concluded that the charge was my responsibility. This decision is not only unfair but also incorrect, as I was not in the United States at the time of the transaction. I am currently residing outside the country, making it impossible for me to have used the card for this purchase. 

The purchase was made to buy an air ticket from XXXX XXXX, which further substantiates my claim of fraud. It is clear that someone else used my card details without my permission. 

I am requesting the Consumer Financial Protection Bureau to intervene in this matter. The bank 's refusal to recognize this transaction as fraudulent and their insistence on holding me accountable for a charge I did not make is unjust. I seek your assistance in resolving this issue and ensuring that the unauthorized charge is removed from my account. 

Moreover, I am experiencing significant difficulties accessing the dispute summary file provided by Citibank. Every time I attempt to open the document through their website, I receive an error message stating, " Looks like this document is temporarily unavailable right now. Please try again later. '' This issue has persisted for an extended period, making it impossible for me to review or understand any information related to this dispute. I have attached Screenshot of this error along with this complaint.

The mishandling of this dispute by Citibank has caused me considerable distress and inconvenience. Given these circumstances, I respectfully request the Consumer Financial Protection Bureau to intervene and help resolve this matter. I seek your assistance in ensuring that Citibank acknowledges this transaction as unauthorized and issues a refund for the disputed amount. 

Enclosed are copies of my correspondence with Citi Bank, including my initial dispute and their response. I am willing to provide any additional information or documentation that may be required to support my claim.

Thank you for your attention to this matter. I am hopeful that the CFPB will be able to facilitate a fair resolution. 

Sincerely, 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 2024-05-19 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: GA

Complaint narrative:
I am writing to formally address a significant error in the credit reporting for my account ( XXXX ) managed by XXXX XXXX XXXX XXXX XXXX. I contacted you in XXXX to correct this and you provided proof that I dont owe you and still continued to report incorrect info for XXXX and XXXX. My account has been incorrectly reported as having late payments for the months of XXXX through XX/XX/XXXX, and XXXX through XX/XX/XXXX. This is clearly inaccurate ; all payments were completed on time. Furthermore, this account was settled in full by my insurance company in XX/XX/XXXX following a total loss of the vehicle. 

The account currently incorrectly reflects a status of Charged Off with late payments over 30 days, which is a clear error and misrepresentation of the actual account status. This incorrect information is adversely affecting my credit standing and must be addressed immediately. 

Please be advised, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to have accurate and complete information reported. Furthermore, the Consumer Financial Protection Bureau ( CFPB ) emphasizes the obligation of furnishers and credit bureaus to report precise information about consumers. I have the letter from XXXX and the insurance claim docs proving all debts where cleared years ago. 

I have previously contacted your offices regarding this matter and yet the issue remains unresolved in XXXX! This continued reporting error not only undermines my financial integrity but also suggests a systemic issue within your reporting processes. 

I urge you to rectify this error immediately and confirm in writing once the correction has been made to the credit bureaus. Failure to resolve this matter promptly will compel me to take further action, including but not limited to filing a complaint with the Federal Trade Commission ( FTC ) and I have now involved the CFPB, and will consider legal remedies under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally address a significant error in the credit reporting for my account ( XXXX ) managed by XXXX XXXX XXXX XXXX XXXX. I contacted you in XXXX to correct this and you provided proof that I dont owe you and still continued to report incorrect info for XXXX and XXXX. My account has been incorrectly reported as having late payments for the months of XXXX through XX/XX/XXXX, and XXXX through XX/XX/XXXX. This is clearly inaccurate ; all payments were completed on time. Furthermore, this account was settled in full by my insurance company in XX/XX/XXXX following a total loss of the vehicle. 

The account currently incorrectly reflects a status of XXXX XXXX with late payments over 30 days, which is a clear error and misrepresentation of the actual account status. This incorrect information is adversely affecting my credit standing and must be addressed immediately.

Please be advised, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to have accurate and complete information reported. Furthermore, the Consumer Financial Protection Bureau ( CFPB ) emphasizes the obligation of furnishers and credit bureaus to report precise information about consumers. I have the letter from XXXX and the insurance claim docs proving all debts where cleared years ago. 

I have previously contacted your offices regarding this matter and yet the issue remains unresolved in XXXX! This continued reporting error not only undermines my financial integrity but also suggests a systemic issue within your reporting processes. 

I urge you to rectify this error immediately and confirm in writing once the correction has been made to the credit bureaus. Failure to resolve this matter promptly will compel me to take further action, including but not limited to filing a complaint with the Federal Trade Commission ( FTC ) and I have now involved the CFPB, and will consider legal remedies under the FCRA.

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 2024-05-19 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/2021 and XX/XX/2021. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-05-19 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/2021 and XX/XX/2021. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOK FINANCIAL CORP
State: AZ

Complaint narrative:
On XX/XX/XXXX I received a email from BOK Financial stating Please contact us as soon as possible to verify transactions and to discuss any further action necessary. As a safety precaution, we have deactivated your debit card ending in XXXX. 

You may contact us through one of the following means : - Call our card services Department at XXXX - Call our XXXX using the number on the back of your card- Visit us at any of our convenient banking centers I first called card services and spoke with a representative. I verified all the suspicious transactions and I was told by the representative, whom was a Fraud Department employee for Card services, that I successfully verified all activity and that my card would be reactivated and my account would be unrestricted in a couple of mins. After attempting to get gas, I learned my card and account was still restricted. I then called the XXXX number and went to the branch as well. I was told that card services never unrestricted my account even though I was told they were doing so. Furthermore I was told the Card services/fraud department was now closed and I would have to wait until Monday ( XX/XX/XXXX ) to access my funds. I was denied from withdrawing {$6000.00} of funds that I own due to a representative lying and not fulfilling her duty. This caused me to lose out on a lucrative business opportunity and also to have to survive off {$15.00} for 3 days. I also have accumulated fees on my bills due to this and was unable to book a flight that I needed to schedule. I have a job that I commute to daily and XXXX XXXX that needs support daily. Me and XXXX XXXX have completely suffered behind this, we barely have even eaten over this period of time. I asked BOK Financial for assistance or a credit to help and they denied me by saying I must wait for card services/fraud department until Monday even though I was told the situation was cleared and I was good to use my card/account. I did my job and verified the transactions but I am left to suffer for a grave mistake committed by a BOK Financial employee. The fact that they wouldnt even help me even though they see the money I have in the bank account is despicable and a violation of my consumer rights. Please help immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: FL

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/scrub>XXXX XXXX XXXXTransunion Attn : Credit Reporting Dispute Department Subject : Dispute of Continuously Reported Charge-Off Status on Account Number XXXX. 

Dear XXXX XXXX, I am writing to formally dispute the continued reporting of a charge-off status on my account number XXXX to the credit reporting agencies ( XXXX, XXXX, and TransUnion ) . Despite this account being charged off, it has been reported with monthly charge-off statuses, which is both inaccurate and misleading. My account number is also listed as last XXXX being XXXX in some instances, and XXXX on others. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., it is illegal for any credit reporting agency to report information that is inaccurate or incomplete. Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt. The continued reporting of a charge-off status for this account every month as if it is a new negative mark not only violates these statutes but also severely damages my creditworthiness and impacts my way of life.

The persistence of this reporting error has unjustly affected my ability to obtain credit, secure housing, and find employment, causing me significant financial and emotional distress. Given these circumstances, I am demanding the following actions to be taken immediately : 1. A thorough investigation of my claim concerning the account specified. 
2. Removal of the inaccurately reported charge-off statuses from my credit reports at all three major credit bureaus ( XXXX, XXXX, and TransUnion ) . 
3. Written confirmation sent to me upon the correction of my credit reports.

4. A statement detailing the steps taken to ensure such inaccuracies do not recur.

Please understand that if this matter is not resolved promptly and satisfactorily, I am prepared to take further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and pursuing all available remedies under the FCRA, FDCPA, and any other applicable state laws.

I have attached copies of documents supporting my dispute and expect a response within the statutory timeframe of 30 days upon receipt of this letter.

Thank you for your immediate attention to this serious matter. I hope for a quick and favorable resolution. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Equifax/XXXX XXXXXXXXXXXX : Credit Reporting Dispute Department Subject : Dispute of Continuously Reported Charge-Off Status on Account Number XXXX. 

Dear XXXX XXXX, I am writing to formally dispute the continued reporting of a charge-off status on my account number XXXX to the credit reporting agencies ( Equifax, XXXX, and XXXX ) XXXX Despite this account being charged off, it has been reported with monthly charge-off statuses, which is both inaccurate and misleading. My account number is also listed as last XXXX being XXXX in some instances, and XXXX on others. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., it is illegal for any credit reporting agency to report information that is inaccurate or incomplete. Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt. The continued reporting of a charge-off status for this account every month as if it is a new negative mark not only violates these statutes but also severely damages my creditworthiness and impacts my way of life.

The persistence of this reporting error has unjustly affected my ability to obtain credit, secure housing, and find employment, causing me significant financial and emotional distress. Given these circumstances, I am demanding the following actions to be taken immediately : 1. A thorough investigation of my claim concerning the account specified.

2. Removal of the inaccurately reported charge-off statuses from my credit reports at all three major credit bureaus ( Equifax, XXXX, and XXXX ) XXXX 
3. Written confirmation sent to me upon the correction of my credit reports.

4. A statement detailing the steps taken to ensure such inaccuracies do not recur.

Please understand that if this matter is not resolved promptly and satisfactorily, I am prepared to take further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and pursuing all available remedies under the FCRA, FDCPA, and any other applicable state laws.

I have attached copies of documents supporting my dispute and expect a response within the statutory timeframe of 30 days upon receipt of this letter.

Thank you for your immediate attention to this serious matter. I hope for a quick and favorable resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Experian/XXXX XXXX : Credit Reporting Dispute Department Subject : Dispute of Continuously Reported Charge-Off Status on Account Number XXXX. 

Dear XXXX XXXX, I am writing to formally dispute the continued reporting of a charge-off status on my account number XXXX to the credit reporting agencies ( XXXX, Experian, and XXXX ) . Despite this account being charged off, it has been reported with monthly charge-off statuses, which is both inaccurate and misleading. My account number is also listed as last XXXX being XXXX in some instances, and XXXX on others. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., it is illegal for any credit reporting agency to report information that is inaccurate or incomplete. Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt. The continued reporting of a charge-off status for this account every month as if it is a new negative mark not only violates these statutes but also severely damages my creditworthiness and impacts my way of life.

The persistence of this reporting error has unjustly affected my ability to obtain credit, secure housing, and find employment, causing me significant financial and emotional distress. Given these circumstances, I am demanding the following actions to be taken immediately : 1. A thorough investigation of my claim concerning the account specified.

2. Removal of the inaccurately reported charge-off statuses from my credit reports at all three major credit bureaus ( XXXX, Experian, and XXXX ) XXXX 
3. Written confirmation sent to me upon the correction of my credit reports.

4. A statement detailing the steps taken to ensure such inaccuracies do not recur.

Please understand that if this matter is not resolved promptly and satisfactorily, I am prepared to take further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and pursuing all available remedies under the FCRA, FDCPA, and any other applicable state laws.

I have attached copies of documents supporting my dispute and expect a response within the statutory timeframe of 30 days upon receipt of this letter.

Thank you for your immediate attention to this serious matter. I hope for a quick and favorable resolution. 

Sincerely, 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