vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
I sent Citibank a letter on XX/XX/year> closing my secured credit account after my account had been hacked at least six times in XXXX.

Within two weeks, they received my letter and per the app on my phone, my account was closed. I have called three times ( XX/XX/year>, XX/XX/year>, XX/XX/year> ) to request the refund of my {$200.00} security funds that I opened my secured credit card with. Phone # XXXX. 

The first time they just said no that the cancellation of my account needs to be processed to make sure there are no additional charges ( even though my account already showed closed ), the second time they said no because they needed to resolve the last dispute, which was due on XX/XX/year>. I advised that after that, they needed to direct deposit my money. Today, they said no because they said that the account needs to be closed a total of 21 days before they will refund my money and when I asked when they closed the account, they said XX/XX/year>- which is totally incorrect. 

There is no reason for them to keep my money. All disputes have been closed. No additional charges have been made since the account showed closed in early XX/XX/year> and yet they are refusing to return my money.

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 2024-12-04 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My Bank Account was compromised after my identity was stolen. The person who done it was able to access my account and transfer over XXXX to a crypto wallet. The bank never reimbursed my funds saying and never really gave me any explanation even after i hired a third party to located my funds and they were able to show a report of where my money went. I was clearly scammed and the bank never returned or protected me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: Experian Information Solutions Inc.
State: NJ

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 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 2024-12-04 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: 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.

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 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 2024-12-04 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: 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.

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 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 2024-12-04 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: 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.

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 2024-12-04 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: FL

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2024-12-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MO

Complaint narrative:
- One XX/XX/XXXX I adjusted my ACH auto debit payment down to {$1000.00} per month, down from {$1200.00} per month. The excess {$200.00} was above the monthly minimum payment. 

- On XX/XX/XXXX I received notice from XXXX that they were cancelling my auto debit and its associated 0.25 % discount. It included a notice that if I did not intend to cancel autopay to contact XXXX to resolve the issue. 

- on the XX/XX/XXXX I attempted to reinstate auto debit for my account but was presented with a message there was an error in processing, please contact us- on XX/XX/XXXX I called XXXX support, but was on hold for ~1 hour. Because of the excessive hold time I scheduled a call for the earliest date available in their portal of XXXX. The intention of this contact attempt was to inform XXXX of the difference between the reduction in auto debt I executed in the online portal and the cancellation I was informed of through email. 

- On XXXX I did not receive contact from XXXX as expected. 

- On XXXX I contacted XXXX again, this time I was able to reach a customer support agent. After explaining the difference between the actions I performed in the mobile app and what was executed on my account, the agent refused to reinstate the auto debit and its associated discount. The only option provided was to fill out the form again and wait 30-60 days for it to be processed. I was transferred to another agent who did not provide any additional options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: MI

Complaint narrative:
Fraudulent inquiries on credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
BAM Trading Services Inc. ( DBA Binance.US ) has restricted my account and I can not withdraw my Crypto from the platform. I have requested an explanation several times with little answer from Binance. They have now gone silent. The SEC has filed 13 charges against Binance entities and founder XXXX XXXX. I want to make sure others know about this and they don't use Binance at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit report lists hard inquiries that were not authorized by me. Please take corrective action under 15 USC 1681c-2 to have them removed.

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 2024-12-04 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: FL

Complaint narrative:
Subject : Request for Removal of Unverified Accounts Dear Credit Reporting Department, I am writing to formally request the removal of these accounts from my credit report as reported by XXXX, Experian and XXXX. This request is based on the recent deletion of accounts by XXXX, one of the four major reporting agencies. I recently disputed these accounts listed on my XXXX report XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Following a thorough investigation, XXXX has completely removed these unverifiable accounts from my report as of XX/XX/year>. 
According to the Fair Credit Reporting ( FCRA ) ( 15 USC 1681 ) all consumer reporting agencies must ensure that information in consumer reports is accurate, fair and verifiable. Since XXXX has removed these accounts after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 USC 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumers credit file. I am exercising my right to ensure that my credit report remains fair, accurate and free of unverifiable information. Since XXXX has deemed these accounts unverifiable and have removed them, you must take similar action Additionally, under FCRA Section 623 ( 15 USC 1681s-2 ) Information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 USC 1681n ) which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 USC 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit reports integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Dave Operating, LLC
State: CA

Complaint narrative:
Im missing 2 refunded transactions coming from XXXX XXXX in the amounts of XXXX each totaling XXXX. XXXX XXXX sent a email receipt confirming the two refunded payments were sent to my bank DAVE XXXX the bank has done this multiple times before with not keeping my funds secure making it extremely easy for someone to steal everytime a merchant refunds my account I never receive my refunds anymore this happens every month I am tired of it they will lie and not investigate when they say they either didnt deposit it or they didnt protect my money causing someone to steal again its not right I have a family to feed they just dont care

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
Attempted to schedule a payment before cloaure of account to prevent closure. Confirmed with agent on the phone that scheduled payment would be made and preveng closure, agent confirmed. 

Closure to account was made before scheduled payment despite confirmations on call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: AK

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit report agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my credit report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX SS XXXX I have several unknown addresses and inaccurate file information thatneeds to be updated properly. My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete all other unknown addresses they are not correct. Te following addresses are not mines : XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX,, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX. 
Please remove the extra name from my credit report. According to 12 CFRPart1022 ( Regulation V ) requires furnishers to : Furnish information concerningaccounts or other relationships with a consumer that has integrity. Furnishinformation about accounts or other relationships with a consumer that is accurate. C- Conduct reasonable investigations of consumer disputes According to XXXX, inorder to make a lawful report, you must follow the Metro 2 compliance standards.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX SS XXXX I have several unknown addresses and inaccurate file information thatneeds to be updated properly. My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete all other unknown addresses they are not correct. Te following addresses are not mines : XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX,, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX. 
Please remove the extra name from my credit report. According to 12 CFRPart1022 ( Regulation V ) requires furnishers to : Furnish information concerningaccounts or other relationships with a consumer that has integrity. Furnishinformation about accounts or other relationships with a consumer that is accurate. C- Conduct reasonable investigations of consumer disputes According to XXXX, inorder to make a lawful report, you must follow the Metro 2 compliance standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Highline Automotive Inc.
State: PA

Complaint narrative:
I bought a car from Highline Automotive XX/XX/XXXX. I went to have the car inspected i XXXX and was told that the car had a warranty even though Highline didnt disclose the information and sold me a second warranty. I emailed Highline XX/XX/XXXX, XX/XX/XXXX. Called XXXX, XXXX, XX/XX/XXXX and they would not respond or return calls. I left a nad XXXX review and they responded to the review quickly and said I was lying. I finally get the manager, XXXX, on the phone and tell him I want the warranty canceled and I want my money refunded. I dont hear from them for another week. I contact the attorney general. Company states they sent me paperwork and I didnt fill it out. They never told me there was paperwork. They didnt send anything. I give them 3 different emails and ask why they didnt mail the paperwork or call when it wasnt received - no answer. I get the paperwork XX/XX/XXXX. I send it to the warranty company and copy the auto dealer on the email. 3 days later I am told the warranty was canceled but the dealership needs to process the refund. This is XX/XX/XXXX. I reach out to them XX/XX/XXXX and XX/XX/XXXX requesting proof they processed the refund. No answer. XXXX XXXX XXXXXXXX XX/XX/XXXX. I reach out to them today XXXX. No answer still. They owe me {$2400.00} plus proof of services ( car detailing and oil change ).

Company response to consumer: Untimely response
Consumer complaint received 2024-12-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
This is XXXX XXXX XXXX the second, my identity has been stolen and I lost my credit and my accounts.my credit has been used for black cards and to take out loans to start companies.i literally own XXXX and XXXX the companies them themselves.why have I lost my credit? this is a major problem.i own chime cash app, XXXX  XXXX, XXXX, XXXX XXXX along with many other companies.i need help asap thank you

Company response to consumer: Closed with explanation