vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I used the card in XXXX, XXXX. I was billed for a charge in XXXX, XXXX which is XXXX miles away on the same day. This was on XX/XX/year> for {$460.00}. It was never implied that I had done anything wrong other than give my card to a store clerk. I was informed that if the clerk had used my card without my permission, I was still responsible for the resulting charge. I have made repeated calls regarding this matter only to be told by the last supervisor that I spoke with that she was as high up on the ladder as I was ever going to get. Case closed! The account was closed by Capital One and I was to be issued a new card. I cancelled the new card because I decline to do business with them. I only have the last four digits of the new account because I don't have a new card and those are the only account numbers on the paperwork that I receive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-19 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: CT

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered 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
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — Store credit 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: FL

Complaint narrative:
In XX/XX/year> I purchased an air-conditioner and new duct work for my daughter 's home from XXXX XXXX, a vendor working out of Costco stores . My daughter has a XXXXXXXX XXXX XXXX child and is pregnant with my granddaughter and their existing AC while only four years old, was not cooling the house properly. The cost was {$15000.00}. XXXX XXXXXXXX installed the AC unit but said they could not install the new duct work. Since I had paid them to install both and they were NOT priced separately, I filed a dispute with Citi Bank until the matter could be resolved with XXXX XXXX as to how much money I would be refunded for the work NOT done. The XXXX XXXX also did not cool the house properly. Citi Bank initially reversed the {$15000.00} charge on my Citi Costco Visa card but unilaterly decided to close the dispute and place the {$15000.00} charge on my Citi Costco Visa card. This was despite the fact that I had provided them copies of all the documents they requested multiple times. Further, Citi demanded minimum payments in excess of XXXX. To add insult to injury, they damaged my XXXX credit rating and charged me interest on work that was NOT completed. 

After months of negotiating with XXXX XXXX, they agreed to credit me {$11000.00} for the duct work they were unable to do. Since Citi Bank Visa forced to make payments on the charge that I had rightfully disputed, I ended up having a credit of {$2200.00}. I have repeated asked Citi Bank Visa to return the credit on my account to my bank account. I have spoken to many people at Citi Bank, all of which state that they are working on it. On XXXX XXXX and XXXX, XXXX I spoked with XXXX XXXX, XXXX, in their Legal Dept. On XX/XX/XXXX I spoke with XXXX at XXXXXXXX XXXX and XXXX at XXXXXXXX XXXX in the XXXX XXXX. There are many more I have contacted to no avail. 

Because of the totally disrespectful and dismissive way I have been treated by Citi Visa, I plan to close my Citi Costco Visa account as soon as I receive my credit refund. This is my money and they have no valid reason to keep my money, but are doing so. Yet, their excuse for over a month is that they are working on it. 

I would appreciate any help you can give me in getting MY money refunded. Thank you.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
Company XXXX XXXX XXXX  is repeatedly refusing to remove this account off of my credit record. It has been over XXXX years old due to statute of Limitations in the state of NC which is 3 years from last activity on the account. I have disputed this several times in the past. It is showing a late payment and is hindering my credit and basic life of living when it comes to making purchases. I have disputed multiple times through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I contacted AmSher Collections by phone to request verification of a debt they are reporting on my credit report. During the call, I requested proof of the debt, including any signed contract or agreement proving that I owe this amount. Instead of receiving assistance, I was hung up on during one call and treated unprofessionally on another.

On the same day, I also mailed AmSher a certified debt validation letter requesting proper documentation and proof of the debt under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). Despite my efforts, I have not received any verification of the debt, nor have they provided documentation to substantiate the legitimacy of their claim.

This account continues to harm my credit, even though AmSher has failed to provide proof that it is valid. I am requesting that the CFPB intervene to ensure AmSher complies with the FDCPA and removes this unverified account from my credit report. 

Please remove this account from my credit profile with all three credit bureaus immediately, as this is not my account. Despite my disputes, this company continues to place this inaccurate information on my profile. 

I urge you to review their XXXX reviewsmany consumers have reported similar issues. Yet, this company is still allowed to report on behalf of consumers. Their actions are fraudulent, and if this pattern continues, it is only a matter of time before a class-action lawsuit is filed against them for exploiting and misusing credit reports. 

- XXXX 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 2024-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
What happened? 


On XX/XX/year> an unauthorized transaction of {$1300.00} was processed through Remitly using my account. I did not authorize this transaction. I immediately contacted Remitly to report the fraud and provided evidence, including a police report. I even called Remitly customer service to try and locate the fraudster via IP address and the agent was able to pinpoint it to XXXX or XXXX. I live in XXXX. I have zero relatives or associates in those cities. This is highway robbery in broad daylight.

Remitly admitted in writing that the transaction was fraudulent but has refused to issue a refund despite acknowledging the fraud. This violates their responsibility to protect consumers from unauthorized transactions.

What steps have you already taken to resolve the issue I contacted Remitly to report the fraud and provided all required documentation I submitted a police report and other supporting documents.

Despite acknowledging the fraud, Remitly denied my refund.

How would you like this issue to be resolved?

I am requesting that Remitly refund the {$1300.00} that was fraudulently taken from my account and ensure their compliance with consumer protection laws. Remitly ADMITTED to this being a FRAUDULENT TRANSACTION & they suspended the fraudster posing as me to transfer Ugandan currency to themselves. Clearly they are very much aware that they are at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-11-19 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: NJ

Complaint narrative:
I have been disputing these fraudulent and inaccurate accounts. I have also included an FTC in my previous dispute, which I am also including in this dispute. Additionally, I am attaching my NOTARIZED identity theft affidavit to prevent your company from claiming that it has not been received.

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 2024-11-19 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: GA

Complaint narrative:
This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXXXXXX XXXX XXXX  Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$4800.00} XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX : {$1000.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1600.00} AXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  XXXX  Date of XXXX XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
Goldman Sachs and Apple CardXXXX XXXX XXXX is severely MISHANDLING legitimate disputes. I was charged 6 times an amount of {$44.00} from a company called XXXX XXXX on my Apple card from Goldman Sachs. on XX/XX/year>2024 - once I realized this - I contacted XXXX support to dispute these transactions. The dispute was filed and on XX/XX/scrub> 2024 - I received email notifications that all transaction disputes had been overturned and the provisional credit reversed. The note indicated that the transaction was " authorized ''. I reopened all disputes on XX/XX/year>2024 - however, they were not noted appropriately with the proper DATE until XX/XX/scrub> 2024. That delay is not explained. IK AGAIN spent time indicating that NO they were not authorized. I explained that I nor anyone on my family sharing account initiated the charges. I explained that my account must have been compromised. Or that at a minimum this was fraudulent activity. The credit card company turned my account off at this time. Which is not a problem for me EXCEPT that I can no longer pay on the account- I don't know the balance or any other transactions coming in - and my credit is now being impacted negatively. I asked twice for the disputes to be escalated and they clearly were not. This is my third time filing another dispute. On XX/XX/XXXX, I was notified again that all charges would remain. They took over 60 days to respond to the latest complaint, they did not provide proof of service, and are now telling me I am approaching some sort of expiration date. They are DELAYING the research of my transactions so that they can CLAIM I missed a cutoff date somewhere. See also Claim XXXX to Apple Card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have sent dispute requests to TransUnion, XXXX and XXXX regarding the following account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. The date of these disputes are as follows : XX/XX/2024, XX/XX/2024, XX/XX/2024, and XX/XX/2024. Despite all of these letters sent to these three bureaus, there has been no resolution or corrections.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have sent dispute requests to XXXX, Equifax and XXXX regarding the following account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. The date of these disputes are as follows : XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. Despite all of these letters sent to these three bureaus, there has been no resolution or corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: PA

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 explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There are inaccurate charge-offs reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a charge-off is, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer 's credit report. Since this charge-off represents a cancellation of debt and not an outstanding obligation, it should not be classified as a charge-off. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.

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