vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Credit Karma, LLC
State: MO

Complaint narrative:
spoke with credit karma about a transaction that was made on XX/XX/XXXX to XXXX XXXX XXXX, credit karma does not allow these types of payments so it was reversed & credit karma advised at the time there was only XXXX XXXX  in my account but i have sent them screenshots and advised this was not the case as i had just got paid XXXX days earlier they then went on to say that i transferred all my money to my spend account, I did math with the representative and we agreed there was {$800.00} in my account at the time the transaction was made, the representative then said that the transaction was actually made on the XXXX although my credit card statement shows otherwise, the money is automatically taken out after a transaction is made so they very well have the funds and will not release them back to me, I was also charged a return payment fee that I feel credit karma should be responsible for as they held the transaction until the XXXX when there was no funds in the account and i am out of XXXX $ on top of the XXXX $ return fee for XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2024, I authorized an {$8500.00} charge by XXXX XXXX as a partial payment for a floor remodel on my house. The total amount due is approximately {$19000.00}. The contract includes terms that this purchase would be eligible for 2 % cash back as part of a XXXX and Citibank promotion. Other purchases on this card are also to be eligible for between XXXX % cash back reward. 

Because my credit limit was only {$9500.00} and I already had charges on this account, I had an agreement with XXXX XXXX  to pay the balance of the XXXX in XXXX more increments as soon as I paid off the charges and then they could re-run the charges. 

On XX/XX/2024, I paid the outstanding balance of {$9200.00} on my Citibank account. The payment cleared my credit union on XXXX XXXX. However, when I tried to use my account on XX/XX/XXXX, I noticed that my card was declined. On XX/XX/XXXX, I made a series of phone calls to Citibank and XXXX asking why my card was declined. I was told that Citibank was going to need until XX/XX/XXXX to verify my payment. I offered to provide direct proof that the payment had cleared my account instead of waiting 12 days. I was told that was not possible. I also asked for an increase in my credit limit, but that was also declined. 

I can not understand why it would take 12 days to " verify '' an electronic payment. 

Please find a recent printout from Citibank showing payment made on XX/XX/XXXX, and that as of XX/XX/XXXX, my available credit is less than {$3.00}. Also please find a printout from my credit union showing the payment cleared on XX/XX/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 monetary relief
Consumer complaint received 2024-08-25 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 2024-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank You in Advance for your Cooperation.

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 2024-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReportingAct.

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 2024-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 2024-08-25 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I got a call from a citibank representative saying there were fraudulent wire transfers on my account. The balances on my Citibank app were tampered with so it showed that I lost money and therefore I thought I had to do " duplicate '' wire transfers to get the money back. However this was a huge mistake because it cost me {$90000.00}. After this happened I went to my local Citibank and told them my situation. However since it was a wire transfer it was tricky to cancel because it went through right before I got to Citibank. It was a big transfer so Citibank should have noticed this because I never did a wire transfer before ever. Citibank is the reason that I lost my money and I need it back. I already contacted the FBI and my local XXXX XXXX but they are taking a while. However I am the most disappointed with my experience with XXXX because they are supposed to protect my money and prevent huge transfers like this from happening. My money is supposed to be FDIC insured up to {$250000.00}. Not only did these people hack into my Citibank app, they hacked into my att phone plan. They switched their phone number with mine by getting my sim card number. They received my calls and I received theirs so they committed a serious crime. They impersonated me when the wire transfers happened because they put in the XXXX time codes because they got the texts. I opened fraud cases with Citibank but they closed them because they are saying that I approved the transfers which isn't true. Citibank is supposed to be the biggest and most secure bank but they let this stuff happen and call their customers liars. I am not planning to just forget about this because this is a lot of money and I know Citibank has more than enough to support me but they just don't want to because it is hard to track these scammers. I have the case numbers of the Citi fraud cases, they are XXXX XXXX for {$24000.00} for account holder XXXX XXXX XXXX XXXX for {$22000.00} for account holder XXXX XXXX XXXX XXXX for {$26000.00} for account holder XXXX XXXX and XXXX XXXX XXXX XXXX for {$16000.00} for account holder XXXX XXXX These cases were closed wrongfully from Citibank and I wanted to complain further to escalate this.

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 2024-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
My family and I moved to XXXX XXXX  days ago. I have XXXX checking accounts at my XXXX XXXX, XXXX in USD and another in XXXX  XXXX. Chase allowed me to wire {$2000.00} to my USD account for a {$40.00} fee. However, when I tried to wire to my XXXX  shilling account for a {$5.00} fee, Chase would not let me, citing compliance concerns. It seems to me that the same amount, same sender, same recipient, from the same bank, to the same bank, would come with the same compliance risks. It appears that I am being forced to transfer in US dollars solely to give Chase a {$40.00} fee instead of a {$5.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: GA

Complaint narrative:
After looking over my consumer report I seen a few inquiries that should t be on my consumer report under the laws congress set in place for me as a citizen of the United States of America first law 15 1681 2a they arent supposed to report transactions on my consumer report. 15 usc 1602 ( g ) I am the creditor i am the lender and not the borrower we the consumer are the creditors. 15 1602 ( p ) a consumer credit transaction took place you receive no benefit but someone got paid. 15 usc 6802 supposed to let me know or disclose that they wan na put something on my consumer report and supposed to give me a option to opt out and they didnt. 42 usc 408 asking for social security number on any credit transactions consumer transaction or loan is against the law because there is no lawful money this is a crime I have the right to privacy In Accordance with 15 1681 12 usc 1431 I can not be the debtor and Ive never been the borrower the banks are the borrowers these two companies violated 15 U.S.C. 1681 is part of the Fair Credit Reporting Act ( FCRA ), which regulates access to consumer credit report records and promotes the privacy, fairness, and accuracy of personal information gathered by Credit Reporting Agencies ( CRAs ). CRAs are entities that collect and sell financial and credit information about individuals. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX I havent received anything from these ppl I asked that they send me my wet ink signature on me signing anything with there persons. Banks have been committing fraud since XXXX  knowingly and willingly deceive you for their financial gain every loan agreement I sign is actually a payable instrument used to pay for the service/product. So its actually an exchange and not a loan in an exchange you are trading things of equal value including my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: GA

Complaint narrative:
After looking over my consumer report I seen a few inquiries that should t be on my consumer report under the laws XXXX set in place for me as a XXXX  of the United States of America first law 15 1681 2a they arent supposed to report transactions on my consumer report. 15 usc 1602 ( g ) I am the creditor i am the lender and not the borrower we the consumer are the creditors. 15 1602 ( p ) a consumer credit transaction took place you receive no benefit but someone got paid. 15 usc 6802 supposed to let me know or disclose that they wan na put something on my consumer report and supposed to give me a option to opt out and they didnt. XXXX XXXX XXXX asking for social security number on any credit transactions consumer transaction or loan is against the law because there is no lawful money this is a crime I have the right to privacy In Accordance with 15 1681 12 usc 1431 I can not be the debtor and Ive never been the borrower the banks are the borrowers these XXXX companies violated 15 U.S.C. 1681 is part of the Fair Credit Reporting Act ( FCRA ), which regulates access to consumer credit report records and promotes the privacy, fairness, and accuracy of personal information gathered by XXXX XXXX XXXX ( XXXX  ). XXXX  are entities that collect and sell financial and credit information about individuals. XXXX XXXX XXXX XXXXXXXX XXXX,2023 and XXXX XXXX bank XXXX I havent received anything from these XXXX  I asked that they send me my wet ink signature on me signing anything with there persons. Banks have been committing fraud since XXXX  knowingly and willingly deceive you for their financial gain every loan agreement I sign is actually a payable instrument used to pay for the service/product. So its actually an exchange and not a loan in an exchange you are trading things of equal value including my social security number.

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 2024-08-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
I went into the dealership to try to get a car and after they did my Loan application it was denied

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 2024-08-25 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-25 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.

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