vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
Letter written to Citibank after repeated phone calls with no results. 

XXXX, XXXX, XXXX  Ref : AA Executive Citi card # XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX - XXXX Dear XXXX XXXX, I am very sorry to have to resort to writing to you in order to resolve an issue created by Citicard. But repeated communication have provided no satisfactory results. 
While in XXXX XXXX on a 6 weeks trip, XX/XX/year>, I received an urgent message from Citi saying to contact them due to a recent fraud charges on my AA executive card. Of course, the toll free number did not work from XXXX, so I found a local US prefix I could use. I contacted Citi and told them the charge from XXXX was not mine. The representative informed me that the card would have to be cancelled. I told him there was no place to send me a card since I was traveling until XXXX, XXXX. He said NO PROBLEM, I could contact Citi upon my return and a new card would be sent. Of note, the card was no longer available for my use and many reservations charges to the card had to be changed to another card. 
Upon my return, XXXX, XXXX, I called Citi and after be transferred 5 times got a person who indicted he would look into the issues and get back to me. Of note, I paid the annual fee, around {$600.00}, in XXXX XXXX. 
The supervisor did call me the next day but indicated he needed more time. For some reason, Citi HAD PUT THE ACCOUNT INACTIVE. I asked for a new card since I had paid the annual fee. The next day I received an email indicating a message from Citi- upon review It stated my account was closed. 
I never requested the account closed. I requested a new card. I really do not understand why I was treated this unfair way. With Amex Platinum then this same thing occurred, I was sent a new card with a new number. 
I would like my account reopened or a new account created. I can not believe that this is not possible, especially since I paid the annual fee. I have over XXXX XXXX miles on AA so I do use the card. I know my credit history is readily available. 
At the lease, Citi should have opened a new account and given me credit for the annual fee. Luckily during my travels, I carry several credit card. 
I hope you can assist in resolving this issue. I have been a good customer. 
XXXX XXXX till XXXX, XXXX  address XXXX XXXX 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 monetary relief
Consumer complaint received 2024-02-23 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  Account 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 Violated my rights .... 

15 U.S.C. 1681 section 602 A. States I have the right to privacy. 
Everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
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 non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I pulled a copy of my credit report and noticed that the account from XXXX XXXX XXXX  is being reported as a repossession. There is no deficiency balance, this account has been paid as agreed and reporting this information is inaccurate. I have reached out to all 3 credit bureaus to have this information corrected with no formal response. 

This information being reported to my consumer report is in violation of 15 USC 1681. 

I have the right to privacy and have not given written consent for this misinformation to be reported. 

Furnishing my transactions and experience are violating my consumer rights. But most importantly each company has the responsibility of reporting maximum accuracy and not doing so is also in violation.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Ive summated several documents to this company letting them know that the information is wrong and I did not give anyone permission to use my information nor did I give XXXX Written consent or permission to furnish any of that info on my credit report. 

Nor have XXXX or Equifax even Marked the response of my dispute in there system, its like it never happened and only when I call, and when I talk to customer service XXXX tell me they not doing anything about my dispute because they believe it was sent through a 3 party witch I didn't and ive told them that and have repeatedly sent several documents with ID, Proof of address and even sent in a FTC report. still no help its been months Ive talk to supervisor at Equifax let him know that ive called sent letters and he and have been trying to get these inquiries off for over an year and he Immediately apologize and said that the situation will be fixed immediately and I had nothing to worry about its been over an months since that conversation and still no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I am writing as a debt validation process. 

In my report there appears an alleged debt that I have with XXXX XXXX XXXX XXXX. I do not recognize that debt and I need documentation to validate it. The documents I require are the following. 

Contract that you have with the original lender of that money. In which all information related to the debt must be shown, including the amount paid for the debt. 
Contract that I have with you indicating that I have that debt with you. 
The supposed information that you have is mine, with all the signatures. 
Account statements with my full name. 


They are showing late payments on collection, but they do not give me information, they do not validate the debt. 
The account number that appears on my credit report is XXXX XXXX XXXX XXXX Appears with a person named XXXX XXXX The information shown on my credit report must be accurate, something that XXXX XXXX XXXX is not doing.

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 2024-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: IN

Complaint narrative:
I signed up for a money services platform called Wise. My partner and I tried to add funds to make a purchase. The wire transfer went through for the Wise company to add the funds to the account but they refused and even tried to proclaim they never received the transfer. We have tried to get a refund completely because the company is not putting it in the account and continues to give us the run around asking for all the same proof of transfers and other documents for a refund that they have requested. 

They have tried to send false emails that say it was sent and everything, but as of today, they have told us the transfer was sent back again and they are requesting all the same information from the bank again. They are trying to run out the clock for us to be able to make a claim as well as get our money back and they are trying to charge us every step of the way for services they haven't provided and would not even be able to claim if they had done their job in the first place. 

My partner and I have both exhausted every option but I will not let a company just blatantly steal $ XXXX from me and my partner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2024, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2024-02-23 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: MA

Complaint narrative:
I went to a bank of American atm to deposit my money. I put inside of the atm {$3700.00} ( XXXX XXXX bill ) and the atm stop working at the time that was counting the money. I called at the bank they ask 10 business days to put the money o. My account but I cant wait since i have to pay my bills. They can easily give me credit until they fix it.

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 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: IL

Complaint narrative:
Jefferson Capital Systems , LLC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Shared my information with another Company after I notified them not to and they have yet to provide or answer my mailing sent to them on XX/XX/2024 I am seeking penalties and compensation from this company for their violations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: Ocwen Financial Corporation
State: TX

Complaint narrative:
I disputed the accuracy of the information on my credit report from Ocwen Loan Servicing, account number XXXX. There are 2 entries from this account on my credit report, one shows a perfect payment history and the other shows 120 days late in XX/XX/XXXX. When I disputed this inaccuracy in XXXX, it was corrected to reflect no late payments since my account was in forbearance and no late payment should have been reported. However, with XXXX, the account is still showing 2 different account entries and I only had one account. The information on both of them is inaccurate, nothing matches, and I have requested for this information to be deleted from my credit report due to inaccurate information. I filed a recent dispute on XX/XX/XXXX and XXXX returned the dispute as accurate, when it is clear there is a discrepancy. I have attached the results from both disputes that were unresolved. I want the information from Ocwen Loan Servicing removed from my credit file with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one was contacted serval times via mail and by email to the CEO. This credit card company is in violation of the law. Under 15 USC 1681B - Permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL subject to subsection. ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 18B1 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly.

( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include - ( A ) subject to section 1681s-3 of this tile, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; They have failed to respond or continue the process of deletion. Proof of letter has been attached. This was also reported to the better business bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On XXXX a hard inquiry was put on my credit from JPMCB ( chase bank ) when I called the bank they said that they could not find an application under my social security number. They then told me to contact XXXX  and they would have to remove it. XXXX sent me here to make a report with you all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: NY

Complaint narrative:
I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S.

Code 1681i - Procedure in case of disputed accuracy.

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 2024-02-23 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: Cascade CISS Holdings, LLC
State: PA

Complaint narrative:
The following 3 hard inquiries on my credit file on all 3 bureaus were not authorized by me. 

1. XXXX  XXXX -- Inquiry : XX/XX/XXXX 2. XXXX  -- Inquiry : XXXX XXXX, XXXX 3. XXXX -- Inquiry : XXXX. XXXX, XXXX Please remove all 3 inquiries from my credit file on all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

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. these are the accounts :

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See document attached

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 2024-02-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
I want to make a formal complaint regarding the Kohl 's department store card. I have setup automatic payments at least 6 times the last few months. It keeps showing as setup completed on their site and on their app, and it does not work. I called the number on the card XXXX, and the automated voice is so garbled, I can't even understand it, nor can I connect to a live agent. I now have late payments on my credit report. I want these removed from my credit report, and I want someone at Kohl 's in their credit department who is in charge to call me. I am never shopping there again, and as soon as someone can call me, I am paying off the card and cancelling it. I want my late charges removed and my late payments removed from my credit report. I am completely outraged and irate. I am never late on any of my bills, and I can't get a hold of anyone. Why am I being punished for their negligence and joke of a payment system. I have told them multiple times, and they always say they have fixed it. Now I can't even speak to anyone. These companies need to be held responsible for ripping off consumers. I am convinced they make things as difficult as possible on purpose to rip off people and charge them late charges. No one has tried to call me or anything about my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
JPMCB - AUTO FINANCE Account type - Auto Lease Date opened - XXXX XXXX, 2017 Address XXXX XXXX XXXX XXXX, NY XXXX Above Account created under JPMCB - AUTO FINANCE without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
On XX/XX/2019. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On my background report it is showing as XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This is inaccurate information The company hiring me was using FIRST ADVANTAGE Or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IA

Complaint narrative:
XX/XX/XXXX for {$1100.00} and they said I can not provide. They told me the account was opened XX/XX/XXXX and sent to collections XX/XX/XXXX. I asked when was payment made they said the information could not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: TX

Complaint narrative:
I did not authorize the creation of these accounts, and I am certain they are fraudulent.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 1. XXXX  - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX - XX/XX/XXXX 5. XXXX XXXX - XX/XX/XXXX 6. XXXX XXXX XXXX - XX/XX/XXXX 7. XXXX 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 explanation