vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-10 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:
Hello, I did place an order for the XXXX XXXX for {$74.00} with XXXX I never got XXXX XXXX product from them. Instead charge appear from XXXX I did contacted CITI Card several time and provide all requested paperwork. CITI Card refuse to protect and ststed that can not mandate that the merchant issue a credit. See order confirmation for {$74.00} from XXXX and link to the product XXXX XXXX XXXX XXXXXXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, attached is the product information in XXXX 

Thanks, 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 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank XXXX XXXX Department is using unreasonable and unfair practices to " verify '' my checking account to the extent that it is impossible to verify myself to remove whatever alerts that they claim that I keep occurring on said checking account. 

I currently have my up-to-date contact information ( email, phone number, and home address ) on file with Citibank, yet, the Fruad Department keeps insisting that they need to send me a code to a phone number that I do not have access to any longer, and all because it's allegedly on my " public records '' But, what difference does it make if I have a XXXX alledged " phone numbers '' on my " public records '' if none of them are my current phone number that I actually have access to? 

This is unreasonable and unfair business practices because on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022, I spoke with 8 different rude employees on the phone regarding this matter, and three of them disconnected the call while I was still talking with them. And all eight of them continued to talk over me. 

Before this last time of having to " verify myself '' they were able to send me text messages to the phone number on my account. 

I went into the Citibank branch to speak to an employee on XX/XX/2022, and she was dismissive and refused to help me resolve and verify my account as well. I need my account verified within logical and reasonable reasoning.

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 2022-11-10 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX The above accounts have violated my rights according to 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.

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 2022-11-10 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:
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 Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX The above accounts have violated my rights according to 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.

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 2022-11-10 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: JOHN GIBSON AUTO SALES, INC.
State: AR

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

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 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 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 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Reported as Harassment and Theft, Police Report XXXX Bank of America seems to have a habit of not giving me my money back, even after the vendor has issued a refund. I feel harassed. I am showing charges for XXXX for {$47.00} each on XX/XX/2022 and XX/XX/2022. I was contacted immediately by Bank of America to confirm that the charges, which were made on the same night, were valid. In fact, they froze my card until I confirmed the 2nd transaction via text. However, when I was unsatisfied with the product and asked the vendor for a refund, the vendor promptly responded by approving 2 refunds of {$47.00} on XX/XX/2022. However, as of XX/XX/2022, Bank of America still has not refunded that second refund of {$47.00}. In fact, when I called to ask about it and dispute it today, XXXX ( approx 10 days after the vendor issued the refund ), I was told that it could take up to 10 business days for Bank of America to process my refund.

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 2022-11-10 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: GA

Complaint narrative:
Greetings, 

NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL

I am contacting your company in regards to an item(s) on my report 
that seems to appear to be a direct violation of FCRA Laws and fraudulent practices.
I have attached the account(s) with these errors and fraudulent practices:

(Please see supporting documents attached)

I would l like to break down the number of ways your company has violated and broken the law
1. Per FCRA you must verify and validate accounts with the original creditors, I have 
contacted US Bankruptcy Court and they have confirmed that they do not furnish any 
information to ANY third party entities and would only do so to government agencies. 
Let me remind you, that you are not a BUREAU, therefor you are not the government.

2. In conclusive to the above reference, the company that has violated Section 623 had no 
authority to furnish this information to you and I am requesting that this letter is 
forwarded to them as well for them to cease breaking the law

3. Your company has to date violated 15 US Code 1681 S-2 (a), and would then violate 15 
US Code 1681 S-2 (b) after this notice if you all choose to be WILLINGFULLY NONCOMPLIANT and do not remove this account from my report
4. Your company along with this unknown entity that has furnished this information has 
coerced with identity theft as I have not given ANY type of consent for you all to furnish
this account on my consumer report or to any third party; THIS IS AGGRAVATED 
IDENTITY THEFT IN ACCORDANCE TO 15 USC 1681-C2.

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 2022-11-10 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: GA

Complaint narrative:
Greetings, 

NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL

I am contacting your company in regards to an item(s) on my report 
that seems to appear to be a direct violation of FCRA Laws and fraudulent practices.
I have attached the account(s) with these errors and fraudulent practices:

(Please see supporting documents attached)

I would l like to break down the number of ways your company has violated and broken the law
1. Per FCRA you must verify and validate accounts with the original creditors, I have 
contacted US Bankruptcy Court and they have confirmed that they do not furnish any 
information to ANY third party entities and would only do so to government agencies. 
Let me remind you, that you are not a BUREAU, therefor you are not the government.

2. In conclusive to the above reference, the company that has violated Section 623 had no 
authority to furnish this information to you and I am requesting that this letter is 
forwarded to them as well for them to cease breaking the law

3. Your company has to date violated 15 US Code 1681 S-2 (a), and would then violate 15 
US Code 1681 S-2 (b) after this notice if you all choose to be WILLINGFULLY NONCOMPLIANT and do not remove this account from my report
4. Your company along with this unknown entity that has furnished this information has 
coerced with identity theft as I have not given ANY type of consent for you all to furnish
this account on my consumer report or to any third party; THIS IS AGGRAVATED 
IDENTITY THEFT IN ACCORDANCE TO 15 USC 1681-C2.

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 2022-11-10 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: TX

Complaint narrative:
I have recently reviewed my credit report and noticed some unauthorized accounts on my Consumer Report and under 15 USC 1681 a3. You guys assumed this role without permission, not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I opened an american express credit card account in XXXX of 2022. The transaction was opened with a signed promissory note I gave american express at consummation of the credit card account. American express turned around and gave me a check in the form of a loan. All which was created from my promissory note. After giving me a line of credit/loan american express also added interest fees and a high APR. the entire transaction was false and misleading and they also furnished deceptive forms trying to coerce payment from me. It was my understanding that I was given a loan in the form of line of credit from american express. When in fact my promissory note that i signed originally was given back to me in the form of a loan. This is a formal instruction in accordance with 15 U.S.C. 1666 ( b ) ( 2 ) to provide documentary evidence, which includes books of account in accordance with 15 U.S.C. 44 to resolve this billing error, the documentary evidence, which includes books of account in accordance with 15 U.S.C. 44, must be provided to clarify this amount on account number XXXX. I have reason to believe and do so believe that all past, present, and future billing statements received by AMERICAN EXPRESS COMPANY are billing errors under 12 CFR 1026.13 ( a ), beginning with the date the account was opened in or around XXXX of 2022. They failed to perform on the agreement so the note is null and void. I've been damaged by the many violations american express has ran on me a federally protected consumer I have suffered XXXX XXXX XXXX defamation and also harrasement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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:
I did not authorize nor consent to the following inquires being furnished on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is reporting inaccurate information and i want it updated and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
On XXXX XXXX I filed complaint against Caine & Weiner collection agency of XXXX XXXX XXXX XXXX. The Caine & Weiner company response that they couldn't locate an account noted in my complaint.

See enclosed negative data my XXXX report posted by Caine & Weiner collection agency. 

XXXX XXXX XXXX failed to cancel my auto insurance within a timely request called in on early XXXX. The policy was set up to renew in XX/XX/2021. I request XXXX XXXX  to cancel the policy ahead of time. Did I have to speak to more than one person, a supervisor, some other associate? I don't understand. The agent I spoke to in XXXX impressed me that she understood that I was no longer interested being insured by XXXX XXXX for unsatisfactory reason ( s ), clearly stating I want the insurance policy canceled immediately. I manage to get a much better insurance policy at lower premium and extended coverage. I dropped XXXX XXXX  policy/coverage weeks before the renewal date. There should be a XXXX  balance. 

One would think that such a Huge company like XXXX XXXX XXXX whose worth millions of dollars would sabotage the financial status of the small guy who simply trying to stretch his dollars and save a little.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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 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 2022-11-10 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 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 2022-11-10 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: TX

Complaint narrative:
I did not authorize nor consent to the following inquires being furnished on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10 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: CA

Complaint narrative:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX  XXXX .... Balance : {$310.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX  XXXX Balance : {$61.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX  Date of request XX/XX/XXXX ; THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX ; XXXX Requested On XX/XX/XXXX ; XXXX Requested On XX/XX/XXXX ; XXXX XXXX XXXX Requested XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief