vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 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: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding an unresolved chargeback issue involving my Citi credit card. Despite following the appropriate steps and contacting the merchant, who has confirmed that the refund has been processed on their end, I have yet to receive the credited funds from Citi. 

Here are the details of my situation : Merchant Interaction : I contacted the merchant directly regarding the transaction dispute. The merchant assured me that the chargeback had been completed successfully, and the funds had been withdrawn from their account as part of this process. 

Citis Inaction : Despite the merchants confirmation and my multiple attempts to resolve this matter with Citi, the funds have not been returned to my account. Citi continues to hold these funds without providing a legitimate explanation for the delay. 

This situation has caused me significant inconvenience and financial strain. I believe that Citis failure to process the refund promptly is unacceptable and warrants your immediate attention. 

I am requesting the Consumer Financial Protection Bureaus intervention to resolve this matter expediently. If my claim is not resolved promptly, I will have no choice but to consider legal action to recover the funds that are rightfully mine. 

Please find attached all relevant documentation, including correspondence with the merchant and Citi, as well as any other pertinent information to support my claim. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.

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 2024-06-26 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: AZ

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. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: OH

Complaint narrative:
I was reviewing my credit report and noticed that I had some collections and inquiries that were fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Delivery Financial Services, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Around XXXX to XXXX, my phone got her XXXX XXXX for her XXXX XXXX from XXXX XXXX in Arizona XXXX. XXXX XXXX Last week I got a collection letter for {$60.00}. I called the doctors office and asked for a copy of the bill. The woman named XXXX said she did not have it and to call the collection agency ( I recorded the call ). She also told me they had problems with their billing systems which is why I never got a bill. I asked why they did not try and contact us as customers and she said it was a decision from XXXX  XXXX to let the collection agencies handle the complaints. Delivery Financial Services , LLC at XXXX is handling the issue but XXXX  XXXX and XXXX XXXX is where I had my XXXX XXXX  done So I contacted the collection agency via phone and a email to dispute this bill

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
In XXXX I was contacted by SPS Servicing stated they bought a loan from XXXX XXXX in which you were investigating on my behalf for a loan they claim was mine and I know a loan I had from a company name XXXX was paid off. I asked for original documents and checks that I was to had signed and I received a document with a signature that is not mine which I informed them then they sent me a document which had my daughter and son in law name on it and the loan number was hand written in. I know that my daughter is paying a mortgage for her house and I think they added the mortgage to my house as well trying to get double money from us. I am almost XXXX XXXX XXXX my house was purchased over 50 years ago. XXXX sold this loan to them knowing they were scamming me to get money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under the 15 USC 1681. 
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 XXXXXXXX 15 U.S.C 1681 602 A states I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2- also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.V 1681c ( a ) ( 5 ) 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under the 15 USC 1681. 
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 XXXXXXXX 15 U.S.C 1681 602 A states I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2- also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.V 1681c ( a ) ( 5 ) 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: IL

Complaint narrative:
Hello, my name is XXXX XXXX, I am a victim of identity theft. I was in a car accident where my wallet with my ID, social security card, credit cards, and other sensitive information was stolen. I recently discovered that there are accounts and inquiries on my report that I did not authorize. I have filed disputes with XXXX, Equifax, and XXXX and have yet to receive notice of an opened investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: IL

Complaint narrative:
Hello, my name is XXXX XXXX, I am a victim of identity theft. I was in a car accident where my wallet with my ID, social security card, credit cards, and other sensitive information was stolen. I recently discovered that there are accounts and inquiries on my report that I did not authorize. I have filed disputes with XXXX, XXXX, and Experian and have yet to receive notice of an opened investigation.

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 2024-06-26 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
i purchase furnitue from XXXX XXXX in XXXX  XXXX mo account number XXXX and they used wells fargo for finacing which was {$9500.00} upon delivery of furntiure seveal items where broken and not in new condition ive reached out to XXXX XXXX explaining the broken furniture and they admitted at fault and said who ever they sent was a new guy and they apoligize for the damage furniture .i filed a dispute with wells fargo explaining the furniture received was broken and XXXX XXXX admitting a fault to the furniture being broken upon delivery XXXX XXXX resolution is to reach out to warranty company since i moved within there warranty which the warranty company said they do not cover items thats broken upon delivery.wells fargo dispute dpt XXXX explains he wouldnt pay for broken furniture but insist theres nothing i can do to fix the situations.This has been a hastle since ive recieved the furniture XX/XX/year> ive filled 5 disputes no resolution but to continue to pay for broken furniture which im very dissatisfied with and not going to continue to do.

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 2024-06-26 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANCORP
State: MO

Complaint narrative:
I open a business account with this company and I'm wanting to get it {$10000.00} limit on a credit card to start my business they're only offering me {$3000.00} I was even willing to take just {$6000.00} just to get up and running but they're refusing to give me any of that only willing to give me {$3000.00} and I told them I need more than that to get started refusing to give me any more credit. Also my account should be eligible for a lot more than any of those totals under the bill of change act and the type of account I have.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have an account listed on my credit report from XXXX XXXX  XXXX XXXX. When I view my credit report the account is listed in collections and fails to state who the original creditor is. I had recently attempted to contact XXXX and XXXX to see who the original creditor is as its not showing that information on my credit report. The representative I spoke to with XXXX XXXX  XXXX tell me that they no longer have the account and I would need to speak with someone from a different agency to verify the information and make payment etc. They give me the phone number to XXXX  XXXX XXXX  and I contact them. After verifying the original creditor and me realizing the account is mine I make full payment to XXXX XXXX XXXX. The credit reports should have reflected accurate information. I want this account removed off my credit reports since I did pay in full.

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 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since i found them out. Kindly remove the following : XXXX XXXX account # XXXX date opened. XX/XX/XXXX XXXX XXXX account # XXXX date opened. XX/XX/XXXX XXXX XXXX XXXX XXXX account # XXXX date opened. 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 explanation
Consumer complaint received 2024-06-26 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-26 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I opened a card with XXXX XXXX a while ago and never received a card for it. I never knew why. I made a purchase for clothing on their website a few weeks ago, ( see attached documents ) and the shipping address was pulled from their database. IT is an address that I moved from in XXXX, with a phone number I have never used. I did not realize this until the clothing failed to deliver to my home, which is weird because they have delivered items to my current address before this. I contacted them when I did not receive anything in the mail, and the customer service agent and I discussed the issue and she and I discovered the address was incorrect. She noted that I never got a card in the mail and said the cards had been sent to this old address as well. This would explain man issues with this company in the past. She had me open a request for a refund telling me that the refund would process within XXXX  days or so, and then placed a reorder for the items and repay for the order with another credit card. She emailed me the link to open the refund request and the receipts for the new order which is all attached in the documentation. Later the same day I received a rejection notice for the refund of the original items that I ordered and never received. I called and got the run around and after being on hold and told the claims department has this answer and put on hold again. I believe I spoke with XXXX the floor lead, and she forwarded me to the claims department, XXXX who was very nice but unable to refund the money. 

I finally decided to submit a complaint as I just want my original amount refunded, and I'm sick of wasting my time and getting the runaround.

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 2024-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I reported fraud to Bank of America IMMEDIATELY. I got {$430.00} worth of fraud on my account. Bank of America wont give me the provisional credit immediately and they are making me wait XXXX  days. This is unacceptable. Ive been a member with them since 2010. Yes XXXX  years. This is completely unacceptable

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 2024-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
On XXXX XXXX I ordered a XXXX  for XXXX to the hospital. My card was changed XXXX followed by the XXXX. I immediately contacted cash app and informed of the error and was instructed to wait til Transactions posted and to call back and file a dispute. Once transaction posted I called to file dispute and it was denied Ive provided all proof of duplicate transaction and that I did not authorize XXXX transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: CA

Complaint narrative:
I got a XXXX XXXX XXXX from XXXX. It's form XXXX. The card is issued by XXXX XXXX XXXX XXXX. I set up the card on the website, thereafter it has not worked anywhere. It is rejected. When I try to call I keep getting forwarded and then the call drops. 

I can't even log onto the website with the card information anymore.

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 2024-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I reviewed my credit reports received from XXXXXXXX and discovered a fraudulent Amex account on my credit report, it says the account number is " XXXX '' I have never applied for this card/or used it and I do not know who did, possibly a family member with access to my information. Please close this fraudulent account and remove it from my credit report, it's hurting my ability to obtain a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with non-monetary relief