vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In XX/XX/XXXX, my Citibank Mastercard was subjected to fraudulent activity amounting to {$9600.00}. Despite promptly reporting the issue to Citibank in XXXX XXXX, taking extensive communication and providing all necessary evidence as per Citibank 's guidelines, the issue remained unresolved for an unreasonable amount of time. In a conversation with a Citibank representative in XXXX XXXX, I was informed that the transaction was not fraudulent, and purportedly, there was a screenshot indicating that I had made the payment online. Despite requesting a copy of this screenshot, it was never provided to me. Moreover, Citibank began charging monthly interest associated with the fraudulent amount to my account as early as XX/XX/XXXX. 

Subsequently, in early XXXX, I engaged the services of a local lawyer and enlisted the assistance of the XXXX XXXX XXXX XXXX XXXX to address the matter ( see attached document titled XXXX XXXX XXXX XXXX ' ). On XX/XX/XXXX, the district court in XXXX XXXX ruled the case as criminal ( see attached document titled 'HanLarryHemingwayLeeSummonsComplaintJudgment [ XXXX ] ' ). Despite providing Citibank with the XXXX 's document and the court 's ruling in early XXXX, it wasn't until XXXX XXXX that Citibank finally credited the fraudulently charged amount of {$9600.00} back to my account ( see attached file named XXXX ' ). However, the interest charges associated with the fraud remained in my account. Despite numerous calls and negotiations with Citibank, the interest charges were not addressed until XXXX XXXX, when Citibank partially credited the incorrect charges back to my account ( see attached file named XXXX ' ). It wasn't until XX/XX/XXXX that Citibank finally corrected their mistakes regarding the interest charges ( see attached file named XXXX ' ). 

The failure of Citibank to promptly identify and address the fraudulent activity on my account, coupled with their initial disbelief of my claims and the subsequent erroneous interest charges, has caused significant inconvenience and financial strain. As a result, I have incurred substantial costs associated with legal fees, investigative services, and court proceedings ( see attached file named 'Cost list XXXX ' ). Per the terms of my credit card agreement ( see attached file named 'TermRule-Document ' ), these costs should rightfully be borne by Citibank.

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 2024-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: DC

Complaint narrative:
Credit reports say a was late on payment. I am never late on any payments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Recently my account was closed with Capital One they claimed it was because return on payments even though they checking account they was supposed to be withdrawing funds from had sufficient funds inside of there. They basically closed my account on a error on there system so i called customer care and they told me to reopen a new account so i did that and a couple days later i get a notice saying that account is closed also because it is related to my last account that was closed. 

Why did Customer Care ask me to create a new account if they was just going to close my account, so a hard inquiry was pulled from my credit just for the account to be closed days later. 

Why capital one would treat a loyal customer like this? Been with them for years and balances have always been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: LA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: LA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: LA

Complaint narrative:
I don't recall having a contractual relationship with this collection company IC System. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2024-05-19 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: MA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: DC

Complaint narrative:
Credit reports say a was late on payment. I am never late on any payments

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 2024-05-19 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: DC

Complaint narrative:
Credit reports say a was late on payment. I am never late on any payments

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX is erroneously reporting a credit card account with a delinquent balance of {$4700.00}, XXXX shows another balance of {$7000.00} on the same trade line. account closed XX/XX/2017. I have disputed this numerous times to no avail. it keeps getting confirmed with no explanation. If the account was closed in XXXX  it should already have dropped off of all 3 CRA 's. I do not recognize this account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I traded in my RV that was financed through BMO, the dealer received the payoff and submitted the check, I also had direct payment of my loan through my bank, after the loan was paid off BMO took my scheduled payment which now was an overpayment, I called them and they said it would take 7 days to return it. After 7 days and not receiving it I called again, this time I was told to allow 14 days to receive it, after not receiving it in in 14 days I called again and was told I would now have to wait 30 days. I feel they are intentionally delaying my payment.

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 2024-05-19 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: CA

Complaint narrative:
This account payment history is incorrect. Asked for statements showing late payment being received. The company didnt provide. Furthermore, the company held up unemployment benefits, where the money would have been used to pay auto loan accounts. Then reported the account as late. Payment History should be updated so reflect NEVER LATE or the XXXX  year old account should be removed from all credit agencies. Money settlement didnt resolve this issue.

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 2024-05-19 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: TX

Complaint narrative:
XXXX XXXX xxxxxxxxxxxx XXXX is erroneously reporting a credit card account with a delinquent balance of {$4700.00}, XXXX shows another balance of {$7000.00} on the same trade line. account closed XX/XX/year>. I have disputed this numerous times to no avail. it keeps getting confirmed with no explanation. If the account was closed in XXXX  it should already have dropped off of all XXXX CRA 's. I do not recognize this account

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 2024-05-19 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: TX

Complaint narrative:
XXXX XXXX xxxxxxxxxxxx XXXX is erroneously reporting a credit card account with a delinquent balance of {$4700.00}, XXXX shows another balance of {$7000.00} on the same trade line. account closed XX/XX/year>. I have disputed this numerous times to no avail. it keeps getting confirmed with no explanation. If the account was closed in XXXX  it should already have dropped off of all XXXX CRA 's. I do not recognize this account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: TX

Complaint narrative:
XXXX XXXX xxxxxxxxxxxx XXXX is erroneously reporting a credit card account with a delinquent balance of {$4700.00}, XXXX shows another balance of {$7000.00} on the same trade line. account closed XX/XX/year>. I have disputed this numerous times to no avail. it keeps getting confirmed with no explanation. If the account was closed in XXXX  it should already have dropped off of all XXXX CRA 's. I do not recognize this account

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 2024-05-19 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following list of accounts has violated my federally protected rights to privacy and confidentiality under 15 USC 1681 : XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Accounts listed above have violated my rights. 

15 U.S.C. 1681 602 A : States I have a right to privacy.

15 U.S.C. 1681 604 section 2 : also states a consumer reporting agency can not furnish an 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 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 have reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: CITIBANK, N.A.
State: DE

Complaint narrative:
I made a purchase for a sneaker shoe on XXXX XXXX the post claimed the shoes were delivered but I have not received them. I contacted Macys within the time frame of the delivery and to date I have not been offered a credit. XXXX representative said the credit would be applied back in XX/XX/2024 to date that hasnt happened. The amount of {$86.00} remains and Macys telling me that I should file a police report. In addition, I have made several payments and still my balance remains unchanged.

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 2024-05-19 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: NY

Complaint narrative:
Subject : Violation of FCRA - Failure to Respond to Dispute & Verification Disclosure. 

Dear Experian I am writing to express my complaint regarding your company 's CONSISTENT violation of the Fair Credit Reporting Act ( FCRA ) in two instances : XXXX. Failure to respond to my dispute ( XXXX ) within 30 days : On XX/XX/2024, I submitted a dispute regarding inaccurate information on my credit report. As of today, XX/XX/2024, I have not received response from your company, exceeding the 30-day timeframe mandated by the FCRA ( 15 U.S.C. 168i ( a ) ).

2. Failure to provide verification disclosure : I requested the names and business addresses of each individual involved in the verification process related to my dispute. Despite my request, your company has failed to provide this information, Violating the FCRA 'S verification disclosure requirements ( 15 U.S.C 1681g ( a ) ).

Your company 's failure to comply with these FCRA provisions has caused me significant distress, inconvenience, and potential harm to my creditworthiness. I demand that you : - Immediately investigate and resolve my dispute - Provide the verification disclosure information I requested - Take steps to ensure future compliance with the FCRA If I do not receive a satisfactory response within 15 days, I will pursue further action.

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 2024-05-19 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-05-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I don't recall having a contractual relationship with this collection company National Credit Systems. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: MA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: KY

Complaint narrative:
This loan is a deferred interest loan that is reporting my balance incorrectly. It is not reflecting my payoff balance it is reporting my balance with deferred interest. This is negatively impacting my credit score and has been since we took out the loan. The original amount was {$13000.00} and our balance is {$8500.00}. However, the financial institution is reporting {$12000.00} as they are including deferred interest. Deferred interest is due only if I do not pay off by the time of the promotion period ending on XX/XX/year>. I am requesting they change their reporting practice to report the actual balance due during the promotion period.

Company response to consumer: Closed with explanation