vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Subject : Unauthorized Charges and Incorrect Credit Reporting by Citibank for XXXX XXXX Credit Card Description : I had a XXXX XXXX credit card issued by Citibank, which I had used to subscribe to a XXXX service. The subscription was approximately {$7.00} per month. Despite my attempts to cancel this subscription directly with the XXXX service, they continued to charge my card. I engaged with Citibank multiple times to dispute these unauthorized charges. Initially, Citibank acknowledged the issue and claimed it was resolved. 

However, the charges inexplicably reappeared on my statement several times. I continued disputing these charges with Citibank until I was reassured that the issue was permanently resolved. Believing the matter was settled, I paid off the card 's balance in full and ceased using it, under the impression that there would be no further issues. 

Unbeknownst to me, the charge reappeared once more, amounting to around {$7.00}. This time, due to additional fees and interest, the charge ballooned to over {$230.00}. Since I was no longer monitoring this card, I was unaware of this new development until the account began showing late payments at XXXX, XXXX, and then 90 days past due, eventually leading to a charge-off in XXXX. 

I disputed this with Citibank, explaining the situation and providing evidence of my previous interactions regarding the XXXX charges. When this did not resolve the matter, I also filed disputes with the credit bureaus. Instead of rectifying the situation, these actions resulted in further negative impacts on my credit score, as the disputes were not handled in my favor. 

This situation has had a significant adverse effect on my credit report, despite my efforts to resolve the unauthorized charges and the initial support from Citibank in acknowledging the error. I seek immediate action to correct my credit history and remove the late payments and charge-off from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2025-01-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am being charged for transactions I did not make I was overseas in the XXXX  I could not have made these charges. I am not going to be responsible for charges I did not make

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 2025-01-07 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: NY

Complaint narrative:
Subject : Unauthorized Charges and Incorrect Credit Reporting by XXXX for XXXX XXXX Credit Card Description : I had a XXXX XXXX credit card issued by XXXX, which I had used to subscribe to a XXXX service. The subscription was approximately {$7.00} per month. Despite my attempts to cancel this subscription directly with the XXXX service, they continued to charge my card. I engaged with XXXX multiple times to dispute these unauthorized charges. Initially, XXXX acknowledged the issue and claimed it was resolved. 

However, the charges inexplicably reappeared on my statement several times. I continued disputing these charges with XXXX until I was reassured that the issue was permanently resolved. Believing the matter was settled, I paid off the card 's balance in full and ceased using it, under the impression that there would be no further issues. 

Unbeknownst to me, the charge reappeared once more, amounting to around {$7.00}. This time, due to additional fees and interest, the charge ballooned to over {$230.00}. Since I was no longer monitoring this card, I was unaware of this new development until the account began showing late payments at XXXX, XXXX, and then 90 days past due, eventually leading to a charge-off in XXXX. 

I disputed this with XXXX, explaining the situation and providing evidence of my previous interactions regarding the XXXX charges. When this did not resolve the matter, I also filed disputes with the credit bureaus. Instead of rectifying the situation, these actions resulted in further negative impacts on my credit score, as the disputes were not handled in my favor. 

This situation has had a significant adverse effect on my credit report, despite my efforts to resolve the unauthorized charges and the initial support from XXXX in acknowledging the error. I seek immediate action to correct my credit history and remove the late payments and charge-off from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NY

Complaint narrative:
Subject : Unauthorized Charges and Incorrect Credit Reporting by XXXX for XXXX XXXX Credit Card Description : I had a XXXX XXXX credit card issued by XXXX, which I had used to subscribe to a XXXX service. The subscription was approximately {$7.00} per month. Despite my attempts to cancel this subscription directly with the XXXX service, they continued to charge my card. I engaged with XXXX multiple times to dispute these unauthorized charges. Initially, XXXX acknowledged the issue and claimed it was resolved. 

However, the charges inexplicably reappeared on my statement several times. I continued disputing these charges with XXXX until I was reassured that the issue was permanently resolved. Believing the matter was settled, I paid off the card 's balance in full and ceased using it, under the impression that there would be no further issues. 

Unbeknownst to me, the charge reappeared once more, amounting to around {$7.00}. This time, due to additional fees and interest, the charge ballooned to over {$230.00}. Since I was no longer monitoring this card, I was unaware of this new development until the account began showing late payments at XXXX, XXXX, and then 90 days past due, eventually leading to a charge-off in XXXX. 

I disputed this with XXXX, explaining the situation and providing evidence of my previous interactions regarding the XXXX charges. When this did not resolve the matter, I also filed disputes with the credit bureaus. Instead of rectifying the situation, these actions resulted in further negative impacts on my credit score, as the disputes were not handled in my favor. 

This situation has had a significant adverse effect on my credit report, despite my efforts to resolve the unauthorized charges and the initial support from XXXX in acknowledging the error. I seek immediate action to correct my credit history and remove the late payments and charge-off from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: PA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2025-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
XXXX XXXX XXXX garnished my wages without providing any proper notice, causing significant and undue financial distress. At no point was I notified of a judgment or the garnishment itself, either by XXXX XXXX XXXX or my employer, who also failed to inform me before the garnishments began. This complete lack of communication and notification left me blindsided and unprepared to handle the financial burden. 

On or around XX/XX/XXXX, I contacted XXXX XXXX XXXX in good faith, seeking to set up a repayment plan. During my conversation with multiple agents and a supervisor, I clearly explained that a garnishment would create severe financial hardship. They assured me they would mail a hardship exemption form, but I never received it. Despite my repeated efforts to work out a voluntary repayment agreement, including signing and returning the necessary documentation as instructed, they failed to honor the agreement or provide any updates. 

Adding to the frustration, I was locked out of my online account for making payments. While I could log in, they refused to accept payments in any amount. Instead, XXXX XXXX XXXX appeared unwilling to cooperate, even going so far as to initially brag about their intent to garnish my wages while I was actively trying to resolve the matter responsibly. Their actions demonstrate a lack of transparency, fairness, and regard for the financial distress they have caused.

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 2025-01-07 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: NJ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-07 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 explanation
Consumer complaint received 2025-01-07 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: CA

Complaint narrative:
I never applied for a lease with XXXX XXXX i dont know how its showing on my credit report I want it 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 2025-01-07 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: CA

Complaint narrative:
I never applied for a lease with XXXX XXXX i dont know how its showing on my credit report I want it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: CA

Complaint narrative:
I never applied for a lease with XXXX XXXX i dont know how its showing on my credit report I want it 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 2025-01-07 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: HI

Complaint narrative:
I am a victim of XXXX data breach and Identity Theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please see attached FTC reports and other relevant documents.

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 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
My bank account was used using XXXX XXXX ATM cards myself and business partner received but we're never ever used by us. Meaning we had possession of these cards but never used them since we received them because we had not decided what to do with the business yet. We noticed in XXXX that there were charges to the account from my ATM and their ATM card to a merchant hotel chain across the US. Since our cards have never been used before we were shocked someone got a hold of these numbers. We contracted TRUIST on the XXXX of XXXX and on the XXXX and XXXX of XXXX the same hotel fraudulently charged us from different states. Truist which is our bank refused the fraud claim citing that it was too late to get a claim even though we reported it on the same day and the day before the 2nd fraudulent charge was placed on the account. Also Virginia gives us 2 years to report fraud from the day it's discovered so this denial flies on the face of every logic and all the funds in the account were stolen. 

None of this makes sense and we believe that it could be someone who has knowledge of ATM cards as they go out or something like that we haven't used these cards with ANY vendor for ANY amount. I don't have any recourse because they already denied our claim.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My XXXX  XXXX XXXX was involved in an accident not caused by me. XXXX XXXX considered it a total loss and paid XXXX XXXX. XXXX XXXX then closed the account out and marked it as a repossession on the card and charged the account off, knowing that XXXX XXXX XXXX XXXX ( Gap Insurance ) was paying the remaining balance. XXXX XXXX had talked to XXXX XXXX and confirmed that they had mailed the check to the wrong address. The representative from XXXX XXXX assured us and XXXX XXXX that this was not an issue and would be noted. This inaccurate reporting is stoping me from getting a new vehicle. Weve called and get the run around. The customer service representatives are rude and automatically send you to the repossession department when it was not repossessed but considered a total loss.

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 2025-01-07 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: IL

Complaint narrative:
My XXXX  XXXX XXXX was involved in an accident not caused by me. XXXX XXXX considered it a total loss and paid XXXX XXXX. XXXX XXXX then closed the account out and marked it as a repossession on the card and charged the account off, knowing that XXXX XXXX XXXX XXXX ( Gap Insurance ) was paying the remaining balance. XXXX XXXX had talked to XXXX XXXX and confirmed that they had mailed the check to the wrong address. The representative from XXXX XXXX assured us and XXXX XXXX that this was not an issue and would be noted. This inaccurate reporting is stoping me from getting a new vehicle. Weve called and get the run around. The customer service representatives are rude and automatically send you to the repossession department when it was not repossessed but considered a total loss.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: IL

Complaint narrative:
My XXXX  XXXX XXXX was involved in an accident not caused by me. XXXX XXXX considered it a total loss and paid XXXX XXXX. XXXX XXXX then closed the account out and marked it as a repossession on the card and charged the account off, knowing that XXXX XXXX XXXX XXXX ( Gap Insurance ) was paying the remaining balance. XXXX XXXX had talked to XXXX XXXX and confirmed that they had mailed the check to the wrong address. The representative from XXXX XXXX assured us and XXXX XXXX that this was not an issue and would be noted. This inaccurate reporting is stoping me from getting a new vehicle. Weve called and get the run around. The customer service representatives are rude and automatically send you to the repossession department when it was not repossessed but considered a total loss.

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 2025-01-07 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: CA

Complaint narrative:
correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, California XXXX Social Security Number : XXXX Date of Birth : XX/XX/year>XXXX  To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Received a check from CFPB from the XXXX settlement, and deposited it into my Capital One Checking account. It was accepted, and I received an email stating it was accepted, and I could " destroy the check ''. Minutes later I received another email stating their was a delay in my access to the funds because they believed the check would not clear. I was informed that I would have access after several days, if there were no issues with the check.

Company response to consumer: Closed with explanation