vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
In XX/XX/year> I made purchases of {$520.00} at XXXX XXXX. Their sales rep verified that I did not have any XXXX 's charge card nor a XXXX 's account. I did not want one. But the sales rep persuaded me to apply for their charge card so that I could receive the discounts for opening an account and the additional discounts for making purchases that day and would appear on my billing statement. In XX/XX/year> when I did not receive my billing statement, I noticed the XXXX 's information given me by their sales rep in XXXX was in XXXX. I do not speak XXXX. In XXXX, I called XXXX XXXX, explaining the situation, verified that my address on file with XXXX 's was incorrect. After making the correction, we verified the amount owed, {$520.00}. In our discussion, XXXX XXXX XXXX stated I could not receive the stated discounts because I had an account. Even after the sales rep verified that I did not have an account. Because of all this, XXXX XXXX XXXX stated she would waive any late fee for that billing statement. After our phone call I immediately sent a check paying the verified amount owed, {$520.00}, making the account paid in full. I did not receive any other XXXX 's billing statement until XX/XX/year>. The billing summary shows no past due amount, the {$520.00} payment made. After, XXXX XXXX added interest charges of {$6.00} and some other charge bringing a new balance of {$21.00}. After numerous calls to XXXX 's questioning their charges and appealing, they remove the {$21.00}, XXXX XXXX continues to carry on and adding more. I filed a XXXX  complaint and XXXX 's still continues to add more charges. Last statement in XXXX is {$130.00} accumulated interest and late fees from a XXXX purchase that was paid in full.

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 2025-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Somebody has been using my social from 2020 I cant open any credit cards & I never applied for one

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NC

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 

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, STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 AND CRIMES WHICH ANTEDATES THE REPORT BY 7 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 2025-01-07 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: NC

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS.

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, STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 AND CRIMES WHICH ANTEDATES THE REPORT BY 7 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 2025-01-07 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 


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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank is ACTIVELY stealing my money. I have XXXX XXXX  on my account as Credit from a merchant that refunded me for a purchase and they REFUSE, like a bunch of XXXX  sitting in their offices clueless to someone elses money, to give me my own XXXX money. I requested numerous times to have that money sent back to my bank or send me a check as is OUTLINED in our terms and conditions. Citi should be penalized. They charge interest on money a cardholder owes them but they actively steal money and wont refund them let alone pay them interest.

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 2025-01-07 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: FL

Complaint narrative:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: FL

Complaint narrative:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RICHLAND HOLDINGS, INC.
State: CA

Complaint narrative:
An ex spouse of mine, unbeknownst to me, listed my name as a resident of a weekly hotel rental in XXXX XXXX, NV that in which was residing at the time. I did not reside there and hence am not responsible for this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Requested the contract that I signed with them to take over debt never sent it. Also asked for them to not contact me and have several times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$65.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$93.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$630.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$420.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$520.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$310.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$400.00} Collection Account XXXX - {$1000.00} Collection Account XXXX - XX/XX/XXXX - {$70.00} Collection Account XXXX - XX/XX/XXXX - {$140.00} Collection Account XXXX - XX/XX/XXXX - {$890.00} Collection Account XXXX XX/XX/XXXX - {$850.00} Collection Account XXXX - XX/XX/XXXX - {$580.00} Collection Account XXXX - XX/XX/XXXX - {$1400.00} Collection Account XXXX - XX/XX/XXXX - {$780.00} Collection Account XXXX - XX/XX/XXXX - {$960.00} Collection Account XXXX - XX/XX/XXXX - {$100.00} Collection Account XXXX - XX/XX/XXXX - {$630.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX XXXX XX/XX/XXXX - {$1300.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX 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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I disputed my XXXX  XXXX account # XXXX This account has been opened since XXXX & has been reporting since It is in good standing with a balance of XXXX cents It currently shows no data but has been reporting for years. I requested it report accurately but they refuse to report it

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 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
My American Express XXXX card includes a benefit in which you receive a credit of {$50.00} twice a year for making a purchase of at least {$50.00} from XXXX XXXX XXXX. It states " Get up to {$100.00} in statement credits annually for purchases at XXXX XXXX XXXX or at saks.com on your XXXX XXXX. That's up to {$50.00} in statement credits on a semi-annual basis from XXXX through XXXX and up to {$50.00} in statement credits from XXXX through XXXX. No minimum purchase required. Enrollment required. '' I placed an order for {$55.00} on the XXXX website on XX/XX/XXXX at XXXX XXXX and it posted immediately to my Amex card as a " pending '' transaction so I assumed I was well within the timing that was specified to receive my XXXX credit. However, it appears that Amex took XXXX days to process the credit card transaction so now they are saying that because it didn't move out of a " pending '' status in time, my credit for XXXX was used. 

This is a clear UDAAP violation as the transaction was completed on my part well before the stated deadline. It seems that American Express is intentionally delaying the posting of transactions and withholding rewards from their customers based on their own processing delays. I am asking for either a {$50.00} statement credit to my Amex account or a credit of XXXX Amex Membership Rewards points. 

I chatted via the app on XX/XX/XXXX at XXXX ET with a customer service agent " XXXX XXXX who escalated it to a supervisor " XXXX ''. Both of which insisted that there is nothing that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This notice is to inform you that you are unlawfully reporting unauthorized inquiries on my consumer reports. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. I have not initiated any transaction with these companies. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. 15USC1681IA- when doing your proper investigation, it MUST be accurate and complete, please attach ALL evidence showing these inquiries are mine and also attach the original contract that will prove. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that these are my inquiries. I have account with these companies. The following inquiries are listed on my consumer reports are false and inaccurate : XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Please remove these false accounts from my accounts immediately this is a violation of the law and proof has not been given to me that I requested showing I did make these inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
It has been three weeks since I requested from Paypal : copies of all messages exchanged between Paypal Customer Service and me in the Paypal Message Center ; list of all transactions on my Paypal account since its opening ; and list of all methods of payments used on my Paypal account since its opening. 

The Paypal Message Center does not offer the option to download transcripts of messages ; I can only take screenshots of whatever is displayed on the screen. 
The statements currently available on Paypal also only go back three years. 
It is important that I get access to my data and to the records requested as soon as possible and it shouldn't take so long for a company as big as Paypal to provide the records requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I logged on to my bank account at XXXX XXXX XXXX XXXX XXXXXXXX and selected transfer and selected the Zelle to transfer money from my account personal checking at XXXX to my personal checking account at XXXX XXXX XXXX XXXX. I then added myself as a contact to complete the transfer along with my XXXX XXXX XXXX  account number and routing number. The Zelle program showed my bank account as XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with XXXX XXXX XXXX XXXX listed as the bank - appearing correct. It accepted my bank account and routing number allowing me to make the transfer. I never received the money after the {$150.00} transfer cleared on XX/XX/year>. I made multiple phone calls to XXXX, Zelle and XXXX with no resolve. I filed a dispute with XXXX and it was denied - they said I entered the account number therefore I authorized the transfer. However I was arguing I didnt receive the money. I was told that the first 4 digits of the account number didnt match my XXXX account number. I still to this day can not see the full account number I entered on the Zelle application provided through XXXX and should not be penalized for this. I asked Zelle to return my money due to this set back with their application and still havent received the money or a return call from bot Zelle and XXXX.

Company response to consumer: Closed with explanation