vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I had recently moved to XXXX, XXXX XXXX and work at the XXXX XXXX XXXX XXXX. On XX/XX/year>, after having dinner with my family at XXXX XXXX in XXXX, we were walking out of the restaurant and a man approached us in a suit and name tag. He said he worked for XXXX XXXX and asked if I had signed up for my 20 % off coupon. I said I wasnt interested but he was being persistent and said it would only take a few minutes. He led me to the XXXX XXXX XXXX row of ATMs and said I could sign up on the ATM, and I just needed to use my bank card ( in XXXX XXXX many different types of transactions are done through the ATM so this did not seem unusual to me ). 

I inserted my XXXX XXXX  XXXX debit card and logged into the ATM. Another man approached and was trying to distract me. I started to get the sense that something was not right and I tried to retrieve my ATM card but it was stuck in the machine. I took out my citibank credit card and tried to dislodge my ATM card with it but it did not work ( I did not insert it fully into the ATM machine ). The second man walked away and the first man was pretending to assist me. I told him that I worked for the XXXX XXXX and was calling the XXXX XXXX XXXX XXXX XXXX XXXX to assist he then fled. 

Knowing that my bank card was stuck in the machine, I immediately deactivated it through the app. Subsequently, a number of charges were blocked totaling close to {$7000.00}. Unfortunately, I did not cancel my citibank card because since it didnt go into the ATM machine, I didnt think it was compromised. I only realized it was compromised after I got an alert from Citibank for potential fraud ( charge for {$2500.00} for XXXX XXXX ). Unfortunately, their first transaction of {$1700.00} for XXXX XXXX XXXXXXXX XXXX went through. This does not appear to be a legitimate company and I did not authorize the transaction. I disputed this claim through the fraud department and was told since I was still in possession of the card it was not fraud? Clearly this is a skimming scam and I did not authorize the purchase. Had Citibank performed even a cursory review, they would have realized this was fraud. 

Based on the advice of a very helpful Citibank customer service rep, I then tried to dispute the claim with Citibank as a charge dispute ( instead of fraud which it is ), and then denied the dispute again on XX/XX/year> - stating That once the credit card number is given to merchant and a transaction has taken place, the merchant terms and conditions apply.

Again, this was FRAUD and was subject to a skimming scam from a reputable ATM machine. I never gave my credit card information up to engage in a transaction with XXXX XXXX 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 monetary relief
Consumer complaint received 2024-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-18 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: AL

Complaint narrative:
I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and XXXX XXXX COMPLIANCE STANDARDS. 
It is illegal to retain or report misleading or unsubstantiated information. Therefore, I demand the deletion of the following illegally reported allegations :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: NY

Complaint narrative:
XXXX & XXXX XXXX are both violating my consumer rights.It is reporting repeatedly charge off and that is manipulating the statue of limitations.According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.this account is violating my federally protected rights and I demand this account be deleted from my TransUnion, XXXX and XXXX and XXXX credit reports and also { {$1500.00} } in damages for the pain and suffering and the credit violations.it has caused me XXXX XXXX and a lot of pain and suffering because I'm not able to get an auto loan deletion XXXX account # XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2024-11-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX violating my consumer rights.It is reporting repeatedly charge off and that is manipulating the statue of limitations.According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.this account is violating my federally protected rights and I demand this account be deleted from my XXXX, Equifax and XXXX and XXXX credit reports and also { {$1500.00} } in damages for the pain and suffering and the credit violations.it has caused me XXXX XXXX and a lot of pain and suffering because I'm not able to get an auto loan deletion XXXX account # XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
ubject : Formal Complaint Regarding Inaccurate Payment History Reporting Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing an issue with inaccurate payment history reporting on my credit reports by the credit bureaus. The inaccurate information significantly misrepresents my credit profile and is causing unwarranted harm to my credit score. 

These inaccuracies constitute violations of several sections of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy of the information reported.

15 U.S.C. 1681i ( a ) Failure to conduct a reasonable investigation upon notification of a dispute.

15 U.S.C. 1681s-2 ( a ) Furnishing inaccurate or incomplete information to consumer reporting agencies. 
I have already disputed these inaccuracies directly with the credit bureaus, but they continue to report multiple late payments that I have never made. These errors must be corrected immediately to accurately reflect my true payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
ubject : Formal Complaint Regarding Inaccurate Payment History Reporting Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing an issue with inaccurate payment history reporting on my credit reports by the credit bureaus. The inaccurate information significantly misrepresents my credit profile and is causing unwarranted harm to my credit score. 

These inaccuracies constitute violations of several sections of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy of the information reported.

15 U.S.C. 1681i ( a ) Failure to conduct a reasonable investigation upon notification of a dispute.

15 U.S.C. 1681s-2 ( a ) Furnishing inaccurate or incomplete information to consumer reporting agencies. 
I have already disputed these inaccuracies directly with the credit bureaus, but they continue to report multiple late payments that I have never made. These errors must be corrected immediately to accurately reflect my true payment history.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX - Account number : XXXX XXXX. XXXX XXXX  XXXX - Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX - Account number : XXXX XXXX. XXXX XXXX  XXXX - Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: MD

Complaint narrative:
I am writing to formally request the blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. As a victim of a data breach, I have discovered fraudulent activity associated with my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am entitled to have these items blocked and removed.

Fraudulent Accounts to Block and Delete : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-18 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: NY

Complaint narrative:
Experian, XXXX, XXXX XXXX and XXXX are still reporting a fraudulent account on my credit report. 
XXXX XXXX XXXX, servicer to XXXXXXXX XXXX XXXX XXXXXXXX. completed an investigation into a XXXXXXXX XXXX XXXX account and verified that it was opened fraudulently.

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 2024-11-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: CA

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX  - Account number : XXXX XXXX. XXXXXXXX XXXX XXXXXXXX - Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My Extended Warranty benefit has been denied despite meeting all of the written requirements of the program : Claim Number : XXXX - Citi card ending : XXXX. 

On XX/XX/year>, I filed a claim for a failed microwave that was purchased using my XXXX Citi credit card. Citi 's Benefit Administrator ( XXXX XXXX XXXX ) sent an email confirming the claim along with instructions regarding the required documentation : Required Documents : 1. Itemized Store Receipt showing purchase of item 2. Repair Estimate or statement of non-repair ( with diagnosis, breakdown of cost, and condition of item ) 3. Extended Service Plan, if you purchased one 4. Credit Card Billing Statement, if the last 4 digits on the purchase receipt do not match your Citi card number or are not displayed The required documentation was submitted via email on XX/XX/year>. For privacy reasons, a redacted credit card billing statement was submitted, which simply redacted purchases not related to the claim ( ALL other statement information was included ). 

On XX/XX/year>, XXXX  XXXX XXXX sent a follow-up email requesting : ***Please provide the full Citi billing statement showing the original purchase ( s ) and the last 4 of the card. Full billing statements can be requested online or at Citi Customer Service XXXX. Please note, we can not accept screenshots of transaction details or redacted statements. Thank you. *** When I challenged the need for the redacted information ( due to of privacy concerns ), XXXX  XXXX XXXX stated it was an internal requirement. When I asked to at least see the policy/requirement, they stated they could not provide it ( presumably due to privacy/confidentiality concerns ). 

My requests for escalation/review of the issue to both Citi and XXXX  XXXX XXXX have resulted in no relief from this unreasonable request/invasion of privacy matter. 

As a result, my XXXX XXXX  claim has not been paid and my benefit has effectively been denied due to an unwritten requirement that was never included or disclosed in the Terms and Conditions of the credit card agreement.

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 2024-11-18 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: LA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with non-monetary relief