vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
Harris & Harris Ltd. 

On XX/XX/year>, around XXXX XXXX  I called XXXX regarding an account that I received a collection for that is attached to an address that I do not currently and have never lived in. The address for the fraudulent account is in XXXX, GA. I have never lived in XXXX, Georgia. 

After I provided my account number the representative confirmed there was nothing on that showed her that my account was sent to collections and transferred me to the security team. While speaking with the security team I had to submit the account numbers for both myself and the account number listed on the collection notice that I received. 

The security team let me know that a payment was made but declined under account number XXXX. This is not the account number for my checking account. 

The security said that he updated his notes to reflect the incident and that I must have received a misrouted call and my account is not in collections. The agent also stated that he requested that my phone numbers were removed from the incorrect address and Customer Solutions would have my updated information. 

On XX/XX/year>, at XXXX XXXX  I received a call from Harris & Harris, asking me about payment in collections. I explained to the rep that I did not now, nor have I ever resided in XXXX, Georgia. The rep explained that the account was open from XXXX to XXXX I believe. I have been at my current address for years. The rep asked me several questions and I told her I was hesitant to give the information because I had given it to someone previously and they clearly had not communicated to the Collection agency. After speaking with the rep she said she was forwarding me to the security team at XXXX. 

While speaking with the team at XXXX, I went through the same issue where they wanted my information but could not explain to me why they had no notes of my previous call. The call went in circles, and I ended the conversation due to not having any way to verify who I was speaking to was an actual person that could help. 

Later that afternoon I went to the Harris & Harris website and requested proof of the debt belonging to me and had not heard anything back or even received an email. 

Harris & Harris did not take any measures to verify the debt they are collecting on for an address that does not belong to me and has not provided any information validating the date although I completed the form on their website. I am requesting that the incorrect collection is removed from all of my credit reports as it has negatively impacted my credit score which has implications on anything I would need to do with my finances going forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: NY

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear CFPB, I filing this complaint regarding various inaccuracies on my credit report. At the beginning of this year, I reviewed my credit reports from all three major credit reporting agencies and discovered several inaccuracies concerning multiply accounts. These inaccuracies included, incorrect reporting dates, two year payment history, different open dates, account statuses and incorrect dates that they were last verified. I even have some accounts that are stating that they are closed and the other credit reporting agency is stating that is open. I don't know how that would be possible. These inaccuracies demonstrate a failure to meet the standards of the Fair Credit Reporting Act. Under 15 U.S.C 1681 e ( b ) it states that consumer reporting agencies are REQUIRED to follow reasonable procedures to ensure maximum accuracy of information in consumer reports. I have attached my latest letters to the TransUnion so that maybe you can help me understand whats going on. In these letters I have screen shot the inaccuracies across the board. I would also like to know how TransUnion is verifying this information. What procedures are they using to verify this information. When they are calling the credit company that has placed this on my credit, what procedures are they following. Whom are they speaking with? I think I have a right to know.

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 2024-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am writing to formally express my dissatisfaction with the handling of my Return Protection claim associated with my American Express credit card. Despite adhering to the terms and conditions of the program and providing all necessary documentation, my claim has been unfairly denied on two separate occasions. 

The details are as follows : Purchased a handbag from XXXX on XX/XX/year>XXXX  in amount of {$1600.00} and attempted to return the bag at merchant but was unsuccessful because merchant would not accept a return due to final sale. 

I initially submitted claim # XXXX for a XXXX purchase after the merchant refused to accept a return. American Express denied the claim, citing that the item was eligible for exchange. 

After confirming with the merchant that an exchange was not permitted, I attempted to reopen the claim under # XXXX to provide this updated information. However, the claim was again denied, this time because it was categorized as a duplicate claim. American Express refused to allow me to reopen the original claim. 

Based on the Return Protection Terms & Conditions : I have provided all required documentation. 
The purchased item does not fall under the exclusions listed in the policy. 
I believe this repeated denial is inconsistent with the Return Protection Policy and unfairly disregards the information I have provided. I kindly request that you reevaluate my claim and provide the reimbursement I am entitled to under the program. 

The Terms states : If you try to return an eligible item within 90 days from the date of purchase and the merchant wont take it back, American Express may refund the full purchase price, up to {$300.00} per item, excluding shipping and handling charges related to the item purchased, and up to a maximum of {$1000.00} per Card Member account per calendar year based on the date of purchase, not during the year the claim was filed. This would mean I should be eligible for Return Protection if initiated by XX/XX/year>XXXX  which I had done. 

I trust American Express to uphold the standards of service and protection it advertises, and I look forward to your prompt resolution of this matter. 

Thank you for your attention to this issue. I look forward to your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Inaccurate Personal Information Requested several times to accurate information to be updated. Experian refuses to validate my request by FCRA laws.

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 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: U.S. BANCORP
State: WA

Complaint narrative:
Today while I was at work the Human Resources department contacted me about a message that I was supposed to be in court, and provided a phone number and case number. I called it and it was US BANK saying I opened an account and overdrafted {$3000.00} and I also have to pay {$4000.00} in court fees. I am confused because I have been with XXXX XXXX  since XXXX. XXXX is the only bank I am utilizing. I don't know why I am being legally demanded to pay US BANK {$7000.00}? I did not recently open a checking account with US bank and I did not overdraft {$3000.00}. What bank even allows a overdraft in that amount?

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I contacted Experian as well as representatives from these companies, but they are not providing any assistance. The law ( 15 USC 1681b ) that applies in this situation has been ignored. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-03 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: FL

Complaint narrative:
I made a payment to my car insurance using the third party billing company, XXXX. The charge went through as a regular purchase with a delivery fee of {$13.00} imposed by XXXX. 
When I looked at my credit card account online ( Citibank ), I discovered the charge had been processed as a cash advance with a fee and approximately 21 % interest accruing daily. 
I immediately called Citicard who said it was the XXXX code that XXXX uses ( XXXX ) which shows the merchant is a mortgage company/non-financial institution/travelers checks. 
When I called XXXX, they said that they had processed the transaction correctly, and could not help me. 
So here I am, a consumer stuck in the middle, with no assistance in resolving my issue. 
I have made several attempts to escalate my concern at both Citibank and XXXX. I have been denied the right to speak to a supervisor on several of my calls to both XXXX and Citibank. I have never been able to speak to someone who speaks XXXX as a first language. Apparently, these people no longer exist. 
I am completely frustrated with the lack of professionalism by both companies. Today ( XX/XX/year> ) I finally got transferred to someone who, with a rather heavy accent, said he was a supervisor at Citibank, and he disconnected the call while I was speaking. Actually, what he did was to route my call back to the initial automated greeting in the middle of my question. 
Please look into the practices of both of these companies. This complaint is against Citicard Credit Cards. I am submitting a separate report on XXXX. 
I have included a screenshot of the transaction as it appears on my online Citicard account, and a copy of the email I received from XXXX explaining that the problem allegedly rests with Citicard. 
Thank you for investigating my case. 

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 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Overdraft fees for OVER 5 months now. The money is in my account when I process important payments. I contacted Navy Federal recently and an agent told me that all of my payments sit in " pending '' for days after purchase was made. Leading me to believe my important payment was paid and I still have money in my account for other payments when that is not at all true. Every time I contact Navy federal they say the exact same thing and nothing is resolved. 
I do not have a full list of every " overdraft fee '' as this has been happening for many months but these are the most recents : 1. XX/XX/year> Returned check fee : {$29.00} 2. XX/XX/year> Returned check fee : {$29.00} XXXX. XX/XX/year> Returned check fee : {$29.00} 4. XX/XX/year> Returned check fee : {$29.00} 5. XX/XX/year> Returned check fee : {$29.00} 6. XX/XX/year> Returned check fee : {$29.00} 7. XX/XX/year> Returned check fee : {$29.00} Unfortunately, Navy federal does not let me see charges before XX/XX/scrub>XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CO

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: TX

Complaint narrative:
The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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 am writing to report that I am a victim of a data breach, and I have identified unauthorized credit inquiries on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am disputing this debt because I do not owe it, because I am disputing this debt you should not report it to the credit reporting agencies. The Fair Debt Collection Act requires you to respect this request. See 15 U.S.C. 1692 ( c ).

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 2024-12-03 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: FL

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 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 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 2024-12-03 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

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 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 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 explanation
Consumer complaint received 2024-12-03 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I deposited a check on XX/XX/year>. They marked it as fraud. The check is from my employer. They let my family and I with no money. Currently have did nothing about this situation. I'm going to have dings on my credit from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: GA

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX : Account number : XXXX XXXX XXXX XXXX : Account number : XXXX U S DEPT OF EDXXXX : Account number : XXXX U S DEPT OF EDXXXX : Account number : XXXX U S DEPT OF XXXX : Account number : XXXX U S DEPT OF EDXXXX : Account number : XXXX U S DEPT OF EDXXXX : Account number : XXXX U S DEPT OF XXXX : Account number : XXXX U S DEPT OF EDXXXX : Account number : XXXX U S DEPT OF EDXXXX : Account number : XXXX U S DEPT OF XXXX : Account number : XXXX XXXX XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAINED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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