vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Despite reporting multiple fraudulent balance transfers and purchases, I have received no direct communication from Citi 's fraud department and have encountered inconsistent and contradictory information from various representatives. 

I first reported the fraudulent activities around the end of XXXX and again in XXXX. Since then, I have had to initiate multiple calls to Citi to address these issues. I was informed that the fraud department would reach out to me if they had any questions or updates regarding the investigation. However, I have not received a single call from your department. When I contacted the fraud department today, they mentioned they had questions that needed answers to continue the investigation. Why was I not contacted earlier, as promised? Instead, I had to call in, and then, frustratingly, I was hung up on. 

During the call, I was asked, " Do you know what bank the checks were cashed at? '' This question puzzled me, as I did not cash these checks, and I would expect Citi to have access to images of the checks. Additionally, customer service claimed today that the fraudulent balance transfers were not included in my fraud report. This is incorrect, as I have discussed these transfers with multiple representatives from the fraud department, all of whom acknowledged my reporting of these fraudulent activities.

I understand that these investigations can take time, but the lack of communication is unacceptable and anxiety-inducing. A simple update on the investigation 's status or an estimated timeframe for a resolution would go a long way in alleviating my concerns.

Moreover, the conduct of the fraud department has been unprofessional and eerily similar to common scam tactics. I was asked for a security word over the phone and to share a code sent via text, despite the clear message stating, " We will not call or text you for this code. '' While I understand that I initiated the call, these practices are unsettling and raise red flags. The message should be more clear if they are actually opposed to scammers.

Lastly, I have repeatedly stated that I do not want any purchases or balance transfer requests to be allowed on this account. Given the circumstances, I would think Citi would prioritize preventing further fraudulent activity. Unfortunately, this experience has left me overwhelmed and stressed. Once this matter is resolved, I intend to pay off the balance I am responsible for and close my Citi account. They have refused to restrict Balance Transfers from taking place, as another one has now taken place on XX/XX/XXXX. The balance on my card is now {$3000.00} of which I have not initiated and this is causing immense frustration.

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-08-08 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: CA

Complaint narrative:
Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.

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 2024-08-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Sunset Management, Inc
State: LA

Complaint narrative:
Flight Finance oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX United States Phone : ( XXXX ) XXXX Sunset Finance XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX https : //sunsetfinance.net/locations/flight-financeXXXX Subject : Urgent : Correction Required for Erroneous Credit Inquiry I am writing to address an incorrect credit inquiry that has negatively impacted my credit report. Approximately a year ago, my sister applied for a loan with your company, Flight Finance of XXXX. Due to an error, my credit was mistakenly pulled instead of hers. 

I contacted Flight Finace of XXXX company promptly to correct this mistake, and I was assured it would be resolved. However, as of XX/XX/year>, Flight Finance of XXXX is still listed as a delinquent account on my credit report, which is particularly concerning as I never authorized this inquiry. 

I reached out to Sunset Finance and spoke with a secretary who was curt and unhelpful. She transferred me to a number that was not helpful. I then tried calling Sunset Finance again and was repeatedly sent to voicemail. 

I request your immediate attention to investigate and remove this incorrect information from my credit report. I previously spoke with XXXX, the branch manager, who acknowledged the error and assured me it was corrected. Despite this, XXXX XXXX recent response to my inquiry was unsatisfactory, and he was hesitant to provide the contact information for Sunset Finances, the company responsible for running my credit. My credit score has suffered as a result of this issue.

Please address this matter promptly and rectify the inaccuracies on my credit report. Thank you for your cooperation.

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 2024-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon possible : Name of Creditor/ synchrony care credit There is a serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within 30 days.

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 2024-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Dear Amex It has come to our attention that you have been using our copyrighted material without authorization. As the owner of the copyright, we take this matter very seriously and demand that you cease and desist all unauthorized use of our copyrighted material immediately. 

We understand that errors or misunderstandings can occur, but we must insist that you rectify this situation promptly. Failure to do so may result in further legal action being taken against you. 

We are willing to discuss a resolution to this matter, but it is imperative that you contact us as soon as possible to address this issue. We value our intellectual property rights and will take all necessary steps to protect them. 

Please respond to this letter in writing within 30 days to confirm that you have ceased using our copyrighted material and to discuss a potential resolution. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX rights reserved 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I previously filed for some accounts to be disputed. I am requesting the disputes for the accounts listed below be halted immediately as well as I am requesting that the remarks be removed on these accounts as well. - XXXX  # XXXX HALT PROCESS!!

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 2024-08-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: CA

Complaint narrative:
Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.

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 2024-08-08 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: NE

Complaint narrative:
Felony identity theft left me with an incorrect credit card on my own respective credit report. It is from 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 2024-08-08 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: NJ

Complaint narrative:
It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.

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 2024-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
In XXXX of 2023, I, XXXX XXXX, took possession of a XXXX XXXX XXXX XXXXXXXX from the XXXX of XXXX XXXX in XXXX XXXX Colorado. Therefore, let it be known that I, XXXX XXXX, do hereby claim this vehicle to be mine by right of possession and usage and do not recognize any counter claims secured through fraud such as the one being made by JP Morgan Chase who falsely secured the title to this property with bank credit fabricated from nothing thus failing to provide proper consideration. Let it be further knowing that any attempts to take this property from XXXX XXXX or deprive him of his rightful usage are illegal and a violation of his rights. Should attempts be made by any person public or private, the owner maintains his right to lethal self-defense and will do so with impunity according to the Make My Day law of the State of Colorado. 

XXXX XXXX is open to receiving counter claims at his residence provided those claims can prove legitimate ownership. XXXX does not recognize claims of ownership that can not prove possession, usage, or a valid transfer of title. Any claims to a valid transfer of title that were secured with Federal Reserve XXXX  ( ie U.S. Dollars ) are dismissed as null and void, failing the requirements of contract law. Any precedent of lending institutions successfully using Federal Reserve Notes to secure contracts is invalid on this basis. 

This post serves as public notice. I dont have the time, resources, energy, nor will to navigate the convoluted legal system that has been complicated by the vested interest of attorneys and their law firms. XXXX XXXX would further like to inform JP Morgan Chase and the CFPB that he is training hundreds of thousands of people worldwide how to expose the fraudulent and deceptive practices of the Federal Reserve System and its participants in depriving people of their rightful possession and usage of their private property.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: NJ

Complaint narrative:
It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.

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 2024-08-08 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: Paypal Holdings, Inc
State: NC

Complaint narrative:
Called XXXX ( did a search and received XXXX XXXX XXXX ). Received an invoice from PayPal, invoice XXXX for XXXX, called for a refund to my account they wanted to gain access to my computer told them it wasnt on and being an IT Tech wasnt going to turn it on they then hung up on me. They then told me that the charge was from XXXX I told them that there IP address was forwarded to someone else to follow them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: UT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX - {$XXXX} - exp XXXX XXXX  XXXX {$XXXX} - exp, XXXX XXXX XXXX XXXX - {$XXXX} - exp, XXXX XXXX XXXX XXXX - {$XXXX} - exp, XXXX XXXX XXXX  XXXX - {$XXXX} - all3 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief