vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Dear Sir, Madame On XX/XX/XXXX22 I filed a dispute with XXXX, XXXX XXXX XXXX. 

I am currently a college student and I have never applied for a credit card with Macy's/Citi Bank XXXX 
I have been made aware that an account was opened and women 's boots were purchased, I have reported this error to, XXXX, XXXX and XXXX XXXX XX/XX/XXXX2022. 
Since then, I subsequently placed a block all three credit bureaus. 
I have spoken to several XXXXacy credit/Fraud agents to no avail! 

PLEASE INVESTIGATE THIS MATTER. 
Thank you, 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 2023-02-06 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: Self Financial Inc.
State: MI

Complaint narrative:
When I called a representative kindly agreed to have this inquiry removed from my account as well the late payments since I didnt realize it would be reported to the credit bureaus. 
Also, I had filled a Police report regarding my identify theft on several accounts under my name. 
Here are the accounts that need to be deleted. 
Currently active in the XXXX XXXX when all of this began. 

Name Account number XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/XXXX I placed an order online with XXXX XXXX XXXX Purchasing XXXX bracelets. XXXX 's website at the time had items listed that you could pick up same day " before '' XXXX was how it was advertised. I purchased the items using affirm for a total of {$620.00} and once my order was processed I received an email that those items wouldn't be ready for pick up until the XXXX week of XXXX. Naturally i was upset as the entire reason for even making the purchase was because the website led me to believe that I would be able to get these items same day. I immediately called and cancelled the orders. XXXX bracelet got cancelled XX/XX/XXXX and my refund of XXXX was processed to AFFIRM on XX/XX/XXXX. The other XXXX bracelets were cancelled in XXXX system on XX/XX/XXXX and to date AFFIRM has not received refunds for those other XXXX bracelets and while i have never received this merchandise AFFIRM continues collection efforts while it has been XXXX weeks and no refund processed with XXXX. I have called XXXX weekly for over a month checking on the status of the refund to AFFIRM with no success and affirm and doesn't communicate directly with XXXX which is insane to me. I have sent affirm the proof of cancellations for the XXXX orders and they still refuse to credit my account. In XXXX days this is going to be reported XXXX days late on my credit which i can not have happen. This is an extreme disservice to consumers and they need a better system. I have never seen an automatic refund take XXXX weeks when the first refund was processed in XXXX days. 

Please help me I have an open case # with XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Great American Finance Co
State: SC

Complaint narrative:
Identity Theft at Great American Finance Company opened a {$3000.00} revolving credit account in my name in XX/XX/2022 and I found it when checking my credit score in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph
5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-06 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: MI

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. 

I have disputed this account three times with the credit bureaus XXXX, Equifax, and XXXX they said that this was verified and failed to provide proof. No valid proof was submitted. This account is well over the allotted seven year reporting time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC.
State: WI

Complaint narrative:
Today on XX/XX/ I am currently in XXXX visiting and woke up to my vehicle missing. I called the police to make a report only to find out that my car had been repossessed. I asked for the contact information of the company that took my vehicle to find out how did they know where I was and why did they take my vehicle. I was informed by XXXX XXXX that they ran my plate ( which was done without my knowledge nor consent ) and seen that it was in repossession status reported to their system by Exeter Finance. I spoke to Exeter asking them to release the car back to me due to an illegal repossession. They have refused and they are requesting over {$7000.00} to release my vehicle back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: MS

Complaint narrative:
Fraudulent information pertaining to XXXX XXXX information is being held against me that doesnt belong to me. Wrong person account is fraudulent. XXXX XXXX XXXX XXXX XXXXe needs to be deleted from all three credit bureaus

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 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
received multiple emails morning of XX/XX/XXXX about a new account being opened. I never opened such an account at bank of america. this is the SECOND time this has happened. first time was the same scenario with bank of america back in XXXX XXXX.just 6 months ago! Bank of america needs to do better to prevent fraud. 

i just placed credit freezes last month with all 3 credit bureaus. how can someone still open an account fraudulently?! bank of america needs to do better!

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX aka XXXX, on my credit report for XXXX, they keep updating it as repossessed every month making it look like I have a new repossession. On my Transunion credit report, they indicate that I had a high balance of XXXX in XXXX  which is in accurate.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX aka XXXX, on my credit report for XXXX, they keep updating it as repossessed every month making it look like I have a new repossession. On my XXXX credit report, they indicate that I had a high balance of XXXX in 2022 which is in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX aka XXXX, on my credit report for Experian, they keep updating it as repossessed every month making it look like I have a new repossession. On my XXXX credit report, they indicate that I had a high balance of XXXX in 2022 which is in accurate.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I filed a dispute about a product I purchased with XXXXXXXX XXXX XXXX company. It was the wrong product so I spent XXXX to send it back. The purchase was for XXXX. Capitalone still paid the vendor and refused my dispute even though I returned the merchandise to the vendor. I sent them all the paperwork and they still would not get rid of the charge. As a result I closed both my credit cards with Capitalone. I have had those cards and paid them thousands of dollars in interest and they lost a customer over a XXXX dispute. I called them several times to no avail. So they lost me for life. I will never do business with them again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I have identified information on my reports that are a result of identity theft, these items are not related to any transactions completed by me. 

XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : 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
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My XXXX  XXXX XXXX account was hacked on Thursday for {$160.00}, and it was hacked last month for {$69.00} and a recurring account was debiting our bank account and sending the money to pay credit cards and a XXXX bill. Months ago we were hacked for {$1900.00}. I checked to learn if my name was among those hacked in the XXXX hacking and learned that my information was among the records hacked. I sent letters to the credit bureaus requesting each to remove inaccurate names and addresses because I believe the fraud is connected to inaccurate information available on my credit report. Please assist me in communicating to the credit reporting bureaus to remove all inaccurate personal information. My correct name is XXXX XXXX XXXX and this is the only name that represents me. 

My address is incorrect too. I live at XXXX XXXX XXXX. XXXX XXXX  XXXX. Any information contrary to my name and address is incorrect and should be removed.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My XXXX  XXXX XXXX account was hacked on Thursday for {$160.00}, and it was hacked last month for {$69.00} and a recurring account was debiting our bank account and sending the money to pay credit cards and a XXXX bill. Months ago we were hacked for {$1900.00}. I checked to learn if my name was among those hacked in the XXXX hacking and learned that my information was among the records hacked. I sent letters to the credit bureaus requesting each to remove inaccurate names and addresses because I believe the fraud is connected to inaccurate information available on my credit report. Please assist me in communicating to the credit reporting bureaus to remove all inaccurate personal information. My correct name is XXXX XXXX XXXX and this is the only name that represents me. 

My address is incorrect too. I live at XXXX XXXX XXXX. XXXX XXXX  XXXX. Any information contrary to my name and address is incorrect and should be removed.

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 2023-02-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account is reporting to my credit report and this lender is saying this is not the company. So please remove from my credit report because this is inaccurate information

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It has come to my attention that, although I have written several letters, asking for validation of debt verification of debt audit trails I am not getting any response because of the automated system. These credit reporting agencies have in place, which is in fact, a violation. They do not have any permissible purpose for reporting any of these inquiries on my report. I am demanding these accounts be removed immediately off my credit report as it is in violation to the following federal constitutional laws. 

I am afraid these credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness and partiality, and a respect for the consumers privacy. I did not give consented these accounts, or permissible purpose. I have remain humble despite the stress abuse, and harm these three credit reporting agencies have done to me.

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 2023-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists, I sent a proof of Validation letter and was not able to get proof that these accounts werent mine.

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 2023-02-06 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I made a purchase at a local grocery shop, on checking up on my account the same night I saw a charge for {$55.00} from the same card minutes later, which I didn't acknowledge. I spoke to citi bank representative and was told that they will refund me the money back but will investigate it .I recently received a letter from citibank saying that I am responsible for the charges and they will retrieve the money back, which they did. I contacted citibank and ask to speak to the fraud department to find out how did they came up with this conclusion. I was told that they will not tell me anything different and if I want to escalate it. I will have to go to a citibank and reopen to file another case. I ask the representative for the number to the company that is charging me for the product. I called the number several times and it is not connecting..

Company response to consumer: Closed with monetary relief