vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-07 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: FL

Complaint narrative:
In accordance with the fair credit reporting Everything has to be 100 % accurate on my report. 
XXXX XXXX # XXXX The credit bureau state my account was properly investigated but how is that possible if the open date is inaccurate the last date active is inaccurate and date last report is not accurate.this ground for remove they also violated my rights under 15 u.s.c 1681 section 602 a state I have the right to privacy 15 u.s.c 1681 section 604 section 2 it also state a consumer reporting agency can not furnish accounts without my writing 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 2022-12-07 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: FL

Complaint narrative:
In accordance with the fair credit reporting Everything has to be 100 % accurate on my report. 
XXXX financial # XXXX The credit bureau state my account was properly investigated but how is that possible if the open date is inaccurate the last date active is inaccurate and date last report is not accurate.this ground for remove they also violated my rights under 15 u.s.c 1681 section 602 a state I have the right to privacy 15 u.s.c 1681 section 604 section 2 it also state a consumer reporting agency can not furnish accounts without my writing instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: FL

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX XXXX Account # 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 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 explanation
Consumer complaint received 2022-12-07 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: FL

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX XXXX Account # 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
I opened this account in XXXX  but now I have moved to XXXX  I wanted to close this account and get the balance refunded, but the bank refused to do so citing fraud prevention. They locked my account and do not allow any deposit or withdraw. In order to unlock or close it, they insisted that I have to step into a local branch physically to unlock or close it. I am in XXXX  now, it is ridiculous for me to travel back to a local branch in XXXX  in order to close my own account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07 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: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
Hello, On XX/XX/2022, I bought a set of 4 chairs on XXXX. 
I received my order. However, the chairs were damaged, and some of them were of different colors. 

I contacted the merchant asking for a return. The merchant sent me two return labels. They also told me that XXXX would come to pick up the chairs. XXXX gave me two different dates for the return. However, XXXX never came. 
I contacted XXXX back. The agent told me that I canceled the return directly with XXXX. I told the agent that I never canceled the return and had never been contacted by XXXX. I also requested the prove that I canceled it. XXXX never replied to my request. XXXX offered me a 5 % refund to keep the chairs. I refused and asked to return the chairs and get a full refund. 

Because XXXX didnt follow their return policy and never accepted my return. I disputed the transaction with my bank : Naver Federal Credit Union. 
On XX/XX/2022, Navy Federal gave me a temporary credit while they are investigating my dispute. 

Apparently, XXXX didnt appreciate that I dispute the transaction so XXXX charged my card one more time for the same order. 
A few days after, I sent my documentation to Navy Federal and they said that no billing error occurred because I canceled the transaction.

I explained to Navy Federal that XXXX said that I canceled the return but was not able to prove it. How is it possible to refuse my dispute if the merchant was not able to prove what they said? 

I sent pictures of the damaged items. I sent pictures of the return labels I got. I sent emails I received from XXXX telling me that XXXX was coming on different dates. I showed my good faith in my wish to return everything I got my money back. 
I proved that XXXX never wanted to accept my return and just wanted to give me a 5 % refund in exchange for the damaged items. 

NOW : - XXXX charged me one more time for this order. 
- Navy Federal reversed the second temporary credit I received. 
- Now my credit card is charged twice for the same order. 

I am asking for a refund of the order I placed in XXXX AND a refund for the new charge that was processed without my authorization. 

Thank you. 
Best, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX I checked my Chase checking account online to see what my available balance was. I noticed that the balance was extremely lower than expected By thousands of dollars. I checked the transation activity and discovered several entries of transations that I never made. 
The charges were XXXX debit charges made from XXXX for XXXX each totaling {$3900.00}. 
I called chase immediately and reported it. I was told that they would investigate the charges, in the mean time they would replace the money back into my account. also a new debit card would be sent out by XXXX to me to use and I received the new card, and they removed the charges. 
on XXXX XXXX I presented my debit card at the grocery store and it was denied. 
when I called chase I learned that the credits was reversed after a investigaton even though I did not make these charges. 
Chase never told me or in any way reveal to me that the credits was temporary pending their investigation, advise my of the status of their investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We had two ( 2 ) accounts with Citibank. 
They closed one of our accounts around XXXX, so we have only one active account with them. 

On XX/XX/XXXX and XX/XX/XXXX, they applied our payments ( {$860.00} and {$610.00} respectively ) to the CLOSED account that has no activities to offset which resulted in interests on our CURRENT account. 
Upon discovering the error, we made double payments to current account in an attempt to minimize interests charged. 

We have made repeated attempts to rectify this error and they credited one small amount ( {$19.00} ). 
We feel we should be reimbursed for the full amount ( {$75.00} ) as this is their error and we have been paying on a timely manner. 

{$94.00} - {$19.00} {$75.00} They have refunded us a check of {$1400.00} ( {$860.00} and {$610.00} ) on XX/XX/XXXX rather than apply it the proper current account that may have triggered a reversal of these interests.

Their last response was their denial of full refund. 

I will attach copy of their response along with our research which should be easy for them to verify.

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 2022-12-07 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: PA

Complaint narrative:
Credit inquiries on my XXXX and Equifax Credit reports I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express discriminated against me in the application process. Amex does not use equal standards and requirements as required by law in deciding whether to extend credit. Amex uses prohibited criteria in the extension of credit and does not apply the same standards across the board for all applications. Amex decides on what requirements to apply to different individuals based on age, sex, race, religion or other prohibited criteria. Many other people have the same type of complaints against American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: WA

Complaint narrative:
Afin Collections Incorporated mailed a collections notice with its account number XXXX dated XXXX XX/XX/XXXX regarding a {$1100.00} debt from XXXX XXXX XXXX XXXX the original creditor, with account number XXXX. A collections specialist informed me the account was open from XX/XX/XXXX to XX/XX/XXXX and went to collections in XX/XX/XXXX. Afin Collections then reported the unpaid as collections to all credit reporting agencies in XX/XX/XXXX. 

In a XXXX XXXX telephone call I stated to the collections specialist someone had committed identity theft with my social security number, an old telephone number and billing address to open a fraudulent mobile account. I stated that I did make a police report about my stolen property which contained my personal information. I also stated it was highly probable someone from XXXX XXXX XXXX gained access to personal information from an old application for credit. 

Later that day, I made four attempts to rectify the situation by telephone between XXXXXXXX XXXX and XXXXXXXX XXXX with XXXX XXXX XXXX customer service on XXXX XX/XX/XXXX. Each time I identified myself and requested to speak with someone that stole my personal information to open a fraudulent account, the customer service agents disconnected the calls. This direct action indicated XXXX XXXX XXXX has no intention of resolving the identity theft that resulted in a fraudulent account. 

The key issues originate with XXXX XXXX XXXX whereby an unscrupulous employee gained access to my personal information and used it to open an account. The information included a former landline number and social security number from an old account application that XXXX XXXX XXXX had rejected. Though my credit did not suffice to open an account by my own merits, someone at XXXX XXXX XXXX used my personal information to get service and run up a bill. 

To add insult to injury, XXXX XXXX XXXX ignored the fact there are security restrictions on my credit file to prevent identity fraud and theft. However, XXXX XXXX XXXX decision makers believe their company is too big to fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive disputed with experian, XXXX and XXXX about 4 accounts on my credit file, Per the FCRA they have not provided me any documentation on file to verify that the information is mine and correct, I have written this company 2 times. I have disputed with the collection agencies XXXX XXXX and XXXX XXXX XXXX also.These companies have failed to provide me any evidence, beating my signature, showing that the account is being reported accurately. All they have provided me is a copy of a bill. Per the FTC a printout of a bill or itemized document does not constitute verification. please help me resolve these issues that I am having. 



The accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX accounts ) Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached two reports with accounts I didn't know were on my credit till recently, please take a look and delete these fraudulent accounts. They are affecting my livelihood

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 2022-12-07 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: FL

Complaint narrative:
I have attached two reports with accounts I didn't know were on my credit till recently, please take a look and delete these fraudulent accounts. They are affecting my livelihood

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
on XX/XX/XXXX I attempted to call Afni debt collection dept to resolve this {$380.00} collections acct showing on my credit report. It was originally an XXXX XXXX  XXXX XXXX but XXXX already paying off XXXX utility bill with XXXX XXXX XXXX so I shouldn't have XXXX bills. Since then, I moved out the apartment and cancelled with XXXX XXXX XXXX back in XX/XX/XXXX. So, I called Afni at XXXX and spoke with a rep but was told I didn't have any collection account with them. I would like it removed from my credit report. This has caused great stress to my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
Flooring was supposed to be installed in my home and a payment be made to the flooring company, flooring was never installed, but the flooring company took the money. My bank will not refund the money. USAA is allowing this business to steal {$7500.00} from 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 2022-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
At the close of my house on XX/XX/22 I had the attorney pay off 2 accounts with Midland. After receiving their payment they sent me a letter stating the debt was paid in full. One was XXXX and one over XXXX. When I saw they still have full amounts on my credit and they are going up a few dollars a day I disputed them. XXXX came back and said I was correct however midland changed my amounts owed and didnt XXXX my accounts out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was in the middle of an equifax breech and still didnt have any success someone used my social to open up various accounts and even trimerge my information with someone elses! I have a actual extended fraud alert and security freeze on my account to where they have to call me to validate everything which is annoying now its hard to get instant approvals! Attached are the claims Ive been filing to prove myself this whole year! I even got denied!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached XXXX reports with accounts I didn't know were on my credit till recently, please take a look and delete these fraudulent accounts. They are affecting my livelihood

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 2022-12-07 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: MD

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Credit Karma, LLC
State: LA

Complaint narrative:
Hi, My name is XXXX XXXX i recently received a call from my bank about fraudulent charges on my card. That same day a XXXX number text me and told me to call a XXXX number. The next day i woke up and my credit score dropped XXXX points and nothing that drastic on my report changed to justify it. Also my credit karma password didnt work and i had to reset which has never happened. I feel someone has stolen my identity and did something that i cant see with it. I would like to jump ahead and get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights for this account : XXXX  XXXX XXXX XX/XX/2018 Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

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 2022-12-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights for this account : XXXX  XXXX XXXX XX/XX/2018 Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

Company response to consumer: Closed with explanation