vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 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: NJ

Complaint narrative:
Back in XXXX, I purchased an airline ticket to XXXX ; the airline later went out of business without giving us back a refund, I contacted Citibank immediately informing them and requesting money back, they requested additional information provided me with a fax number where I could send thee documents I did, went on my trip. 
Upon returning I realized I haven't seen the credit so I contacted them only for them to say the wrong department number was given to me and they haven't received the documents. They provided me with said number. 
I asked for the now correct number which they give only for them to say after receiving the documents again that I am now outside of the time to file for a dispute {$1500.00} On XX/XX/XXXX, I purchased 2 tickets for XXXX my brother 's wedding stayed at XXXX XXXX XXXX. One room 3 adults, I should receive 2 beds, I received only one. 
They knew this at the front desk and assured me that this will be rectify shortly if not first thing in the morning. 

The morning came, I went back to the front desk they told me they are fully booked and didn't have any other room with two beds to move us to but will work on it before the end of the day. The end of the day came, nothing. 

The following morning is the wedding so I had no time to stop by the front desk. Suffice to say, at this point I'm still inside the room with one bed 3 adults. 

The place was infested with roaches, smelly carpet etc it was an awful experience and they mess up my vacation. 

I provided city with this information to city, they credited me at first then reverse the charge and now I'm stucked with a $ XXXX charge with ton high interest rate I'm not working and I'm a XXXX mom. I'm in distress.

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 2023-07-24 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: LEXISNEXIS
State: IL

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.

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 : 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 ) ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland credit management. Inc I received a summons for court in XXXX. I called to make a settlement offer. Spoke to XXXX  in attempt make payment arrangements. XXXX XXXX identified during call as a lawyer representing Midland credit management , Inc . I offer a payment plan if was refused XXXX XXXX stated that I owed another debt and would be unable to make offer unless each debt was payed together. I had not received and notices of other debt owed. So this led to a garnishment due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
In the month of XX/XX/XXXX I was debited {$50.00} bc supposedly in XXXX they changed my account to an XXXX Account without my permission. The rule with this type of account is you can not go below an average of {$50000.00} a month. Weve been banking with them since XXXX. I have never been charged an account fee. 
So they should not have changed my account type without my permission. I never received a phone call or an email asking me permission. They switched me over without my permission. Thats wrong. I asked them to switch it back but they need me to go to a branch location. So they need my permission to switch the account back to the original account but they dont need my permission to change the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also 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 of crimes which antedates the report by more than seven 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 2023-07-24 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: EQUIFAX, INC.
State: MO

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also 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 of crimes which antedates the report by more than seven 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
NAVY FEDERAL CREDIT UNION denied me a consumer credit transaction. They are in violation of 16 CFR 433.1. They are not exempt because 16 CFR 433.3. I am a consumer according to 15 USC 1692 ( E ). They are in violation according to the Truth and Lending Act. Credit is the right that is granted to me. They denied me this right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I applied for a promotional card through XXXX XXXX XXXX  XXXX Genesis Finance - I already have a credit card with them and after the application, they requested information to be mailed to the company for verification purposes. The requested info was license and social security card and it appears to be to the address for Genesis. However, I just received a decline letter indicating they are unable to verify my social security number. This information was mailed and per the representative, she indicated they received the info and made a decision based on this info. She indicated the people in the application division were unable to speak directly to consumers. This process seems suspicious because I am an existing customer and provided the same info on the other application. I have never had a card service request ID and social evidence and when it is provided the decline was because they couldn't verify. I check my credit profile regularly and there is only one number listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
Hard inquiries appear on my credit report that I dont recognize they should be remove promptly XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is an on-going issue I'm having with Experian. They are violation of the FCRA. Per 15 USC 1681 ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; SO WHY ARE THEY STILL VIOLATING MY CONSUMER RIGHTS AND SHOWING LATE PAYMENTS AND UTILIZATION ON MY CONSUMER REPORT? THIS IS CLEAR VIOLATION OF THE ABOVED FCRA SECTION. It shows I have charge offs for : XXXX XXXX {$3600.00} XXXX {$3800.00} XXXXXXXX XXXX  {$1100.00} XXXX XXXX {$15000.00} XXXX XXXX {$0.00} XXXX XXXX {$130.00} XXXX  {$110.00} XXXX : XXXX {$1300.00} XXXX {$670.00} XXXX XXXX XXXX {$1400.00} None of my transactions or experiences should be shown. WHY ARE THEY VIOLATING MY RIGHTS AND THE CFPB DOES NOTHING. HELP!! ANY AND EVERYTHING RELATING to my Charge OFF Accounts, Late Payments of credit Utilization should be removed within 10 days of receipt of this statement. I JUST retained a consumer law lawyer to file for arbitration against Experian and any of its affiliated for the violations that I'm incurring. How its causing me gravely consequences even though the violation is as clear as day. I'm looking only for deletions and failure to do so will result in me seeking monetary compensation for each violation granted to me under 15 USC 1681 n1. I will be seeking no less that {$1000.00} usd for each violation and we've counted over 50. PLEASE DELETE ALL RECORDS OF LATE PAYMENTS, UTILIZATION, CHARGEOFFS AND COLLECTIONS PER THE FCRA. THIS IS THE LAW, ITS NO REASON TO REACH OUT TO THE ALLEGED DEBTORS. THIS IS CLEAR VIOLATION AND FAILURE TO RESPOND WITH DELETIONS WITHIN 10 DAYS I WILL REACH OUT TO MY LAWYERS TO START THE ARBITRATION PROCESS SWIFTLY.

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 2023-07-24 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: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Hello, At this point this has been a couple years, but I opened up a Saving account with Marcus Savings and I transferred 2 amounts from my XXXX XXXX account and a couple days or week later I called to check on my account. The 2 amounts were around $ XXXX $ XXXX. I was told that my account was closed and the amount was being sent back to XXXXXXXX XXXX I literally never did anything fraudulent or something against the law for you to close my account abruptly. I was literally a brand new client for at least a few weeks at the time so this had to be a mistake. Please allow my account to be reinstated or open another Saving Account. I look forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This debt was not opened up by me. I never had an account with XXXX XXXX, this needs to be removed today

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: EQUIFAX, INC.
State: LA

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.

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 inructions 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 ) ( 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I had a checking account with Citizens bank where I transferred XXXX XXXX XXXX from another account. Everything was going well then {$10.00} - XXXX was deposited into my account. These were funds from XXXX XXXX during the pandemic. I immediately called the bank to report this deposit because it was not mine and I didn't request anything from XXXX XXXX. The bank immediately restricted/closed my account and started an investigation. I called the bank days later seeing what was happening. I was told it was under investigation and I had to wait till the investigation was done. After XXXX - XXXX weeks go, I call again, the fraud was still under investigation. At the end of the month without and communication, I called the bank again. The bank said it was still under investigation and may conclude 60 - 90 days. After the 90 days was up, I called that the investigation is ongoing, I see the fraudulent funds were send back from an account statement, my funds that I added were still in the account with management fees ( {$9.00} ) being taken out each month and told it may take 6 months to a year to resolve. It's just about 3 years, my account is closed, my money is still in there with fees being taken out and still under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Accurate Financial Services
State: FL

Complaint narrative:
More than a year ago I started with the company Accurate Financial Solutions Telephone XXXX / XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX where they commit to documents sent that repair credit and negotiate with XXXX, XXXX and XXXX, within a period of 12 months or less to do This is possible, I already paid them {$5600.00} dollars in 10 months, this amount was agreed for the entire process and so far there has been no progress and they are saying that I should start after a year with another process and for which I also have to pay when they did not inform at first, I think that unfortunately I fell into a company that only seeks to defraud the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: FL

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

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 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I have a XXXX XXXX XXXX, and a business checking through Chase bank. Someone hacked into the tshirt company that I order my blank shirts from and made 22 orders under my account and company debit card. All of these orders were shipped to New York. I have filed a police report. I have closed my account with the tshirt vendor and cancelled the debit card from Chase. There was about {$8500.00} worth of charges that were not authorized by me taken directly from my account. I have never shipped an order to New york. Chase says it isnt fraud because I regularly use this vendor, but I sent them all the invoices showing that the goods were not shipped to me or received by me., or authorized purchases. I have filed a claim with Chase 3 different times. I have contacted the office of comptroller of the currency who sent me to you. I do not know what else to do. This was absolutely fraud on my debit card and I am currently in the negative with my checking account at chase. PLEASE HELP ME GET MY MONEY BACK! 

I do not have the documents scanned into this computer but I will happily fax them somewhere if you could please forward me the fax info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern, in accordance with the Fair Credit Reporting Act XXXX Acct XXXX XXXXXXXX XXXX, ACCT # XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX, ACCT XXXX XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A. States I have the right yo 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

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 2023-07-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern, in accordance with the Fair Credit Reporting Act XXXX Acct XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. States I have the right yo 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

Company response to consumer: Closed with non-monetary relief