vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-26 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: PA

Complaint narrative:
On XX/XX/XXXX I purchased 2 pairs of shoes on sale on the XXXX website. I received a confirmation email, and it was from XXXX XXXX XXXX which is a company I never heard of and did not order from. I went to the XXXX  website and found that they were not having a sale and when I went back to my confirmation email, there were links to view the details of my order and their website both of which were nonexistent. There were no terms of service, cancellation policy etc., because they do not exist. The only the contact was an email address which I immediately sent an email requesting cancellation. I sent 3 emails and then contacted my credit card company, Citi, and they said I could dispute the charge if it posted. It did post and I filed a dispute. From that point on, I have been going back and forth with them. They supposedly heard back from the merchant who simply said that the product was mailed, and they closed my dispute. I called them and they reopened it because I explained that I have had no contact/communication with this seller and the site does not exist. I sent them all the emails I had, and they closed it again saying I needed a confirmation of cancellation from the merchant. Again, I explained there is no confirmation of cancellation because this merchant has not contacted me in any way and their site does not exist. I asked them to get proof from the seller that it was shipped, and they said they do not do their investigations like that, and they could refer me to a supervisor to take a look at it.. I just received a notice saying they can not help me, and I needed to get a credit from the merchant. I never had any communication with a supervisor even though they said that I would be contacted. I am so frustrated. They take their word without any proof. I am being charged {$110.00} for a product I never received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-26 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: EQUIFAX, INC.
State: VA

Complaint narrative:
In your response to my previous complaint filed through the CFPB, you acknowledged the existence of internal fraud procedures. However, despite these procedures, your agency granted permission for the inquiries in question without obtaining my consent. This represents a clear violation of my consumer rights and raises concerns about the overall integrity of the credit reporting process. 

XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive noticed some fraudulent info linked to my identity. Some accounts and transactions have been wrongly tied to me, causing a lot of worry. Ive fallen victim to identity theft and have reported it. This issue needs quick attention as its harming my finances and reputation. I kindly ask for your help in quickly removing all false info from my credit report and thoroughly investigating this. XXXX ready to provide any needed evidence and, if necessary, take legal action to protect my rights and get proper compensation. I appreciate your immediate attention to this urgent issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: CT

Complaint narrative:
I requested the credit bureaus to verify everything on my credit report, and they did. They stated that everything was accurate, and I did thorough research and found proper inadequacies dates on the credit report even after they did on account Account : XXXX Account # XXXX. I have inaccurate dates for my open date, last reported, last active, and last payment. Under the fair credit reporting act, convergence of this account has violated my rights. Another law they violated is XXXX XXXX Code XXXX ( XXXX ) A ( i ) I know the law and experience and transactions are not supposed to be put on consumer reports, these disputed items must be deleted from my credit record within 30 days. I want all repos and late payments deleted from my account because it is not XXXX percent accurate, You have listed multiple dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
XXXX XXXX shows I have an account opened at Kohl 's and I never opened this account. It was charged {$1000.00} on XXXX XXXX. The company opened a fraudulent case for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: NC

Complaint narrative:
I am XXXX XXXX , consumer, in fact. XXXX XXXX has never sent me validation of the alleged debt that XXXX XXXX has been reporting on my Transunion report since XX/XX/2023. I do not know where they received my private information. The collections account was reported open on XX/XX/2023 ; then by XX/XX/2023, XXXX XXXX was reporting the account closed on my Transunion report still without validation and/or verification of this alleged debt. I have since then made a dispute with Transunion numerous of times and would like to know what investigation took place before XXXX XXXX was placed on 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 non-monetary relief
Consumer complaint received 2023-12-26 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: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  {$110.00} XXXX XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$28.00} XXXX XXXX XXXX {$99.00} XXXX XXXX XXXX {$69.00} All these tractions are not authorized by myself, and they are fraudulent transactions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: MD

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX District Heights XXXX MD XXXX To whom it XXXX concern : Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer XXXX have inadvertently given you written, unwritten, verbal and non-verbal, per XXXX XXXX XXXX. 

Per XXXX CFR XXXX, states that, A consumer XXXX exercise the right to opt out at any time. 

I am opting out of your reporting services to Transunion, XXXX and XXXX. 


XXXX, XXXX XXXX XXXX for 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 non-monetary relief
Consumer complaint received 2023-12-26 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: MD

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX District Heights XXXX MD XXXX To whom it may concern : Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer XXXX have inadvertently given you written, unwritten, verbal and non-verbal, per XXXX XXXX XXXX. 

Per XXXX CFR XXXX, states that, A consumer XXXX exercise the right to opt out at any time. 

I am opting out of your reporting services to XXXX, Equifax and XXXX. 


XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX District Heights XXXX MD XXXX To whom it XXXX concern : Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer XXXX have inadvertently given you written, unwritten, verbal and non-verbal, per XXXX XXXX XXXX. 

Per XXXX CFR XXXX, states that, A consumer XXXX exercise the right to opt out at any time. 

I am opting out of your reporting services to XXXX, XXXX and Experian. 


XXXX, XXXX XXXX XXXX for 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 2023-12-26 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: NY

Complaint narrative:
Per the Fair Credit Reporting Act, I XXXX XXXX XXXX the federally protected consumer, am now opting of any and all authorization that may have been given Please see the attached notice ( XXXX ) I have also attached the first notice ( XXXX ) that was sent to each corporation that has been ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: NY

Complaint narrative:
Per the Fair Credit Reporting Act, I XXXX XXXX XXXX the federally protected consumer, am now opting of any and all authorization that XXXX have been given Please see the attached notice ( XXXX ) I have also attached the first notice ( XXXX ) that was sent to each corporation that has been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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:
After being negatively affected by identity theft, I have tried several times to rectify open accounts and negatively reported information with both the creditors and credit reporting agencies to no avail. I have been sending letters with no responses from either creditors or credit reporting agencies. This has been a great strain on me personally and professionally. By not being able to attain the credit that is necessary to grow my business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I previously filed a complaint against Equifax XX/XX/2023 disputing the accuracy of unauthorized and fraudulent inquires, tradeline account information and collection accounts listed on my credit report. Equifax closed my complaint # XXXX attached to this complaint, stating the information has been proven to be XXXX however Equifax has not provided me any evidence to support their claim of FACTUAL information on my credit file. In addition, Equifax has not addressed my complaint about the inaccuracies within my tradeline information nor the collection information on my credit file. 

I am now requesting the procedures used to determine the accuracy and completeness of the information disputed in my previous complaint # XXXX, including all documentation in connection with the disputed information that supports Equifax investigation XXXX claiming that the information is FACTUAL. Furthermore, I would like for Equifax to address the inquires, tradeline and information and collection in question as addressed in my previous complaint attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: FL

Complaint narrative:
My Citi XXXX card stopped sending statements - I didnt notice it until i was told via email it was past due. Citi put me on paperless statements without my knowledge or permission and then when I didnt pay on time charged me excessive interest and penalties. I was able to clear this up with them but I am concerned about the larger consequences of their actions in particular on senior citizens that arent all electronic. they should not be able to change my paperless status. they claim they notified me via their app. I dont use their app and never have. if they treated their customer base as they have me they are making a ton of money in interest charges and late fees that should NOT be there - latest scam way for them to make $ XXXX literally preying on seniors. 

same goes for the phone system with all of the prompts and craziness it takes to get to a real person- is that friendly for the elderly user? I think not - seems to violate XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was trying to but property and was denied due to unverified public records on my report and a XXXX charge off. I sent several certified letters made calls and no cooperation from credit bureau to show proof of verification. This is defamation to my character and I want all fraudulent accounts removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Credit Central Holdings, LLC
State: AL

Complaint narrative:
Illegal collection practices that violate collection laws pertaining to calling within 7 days of making contact, as well as calling others and discussing what the call is pertaining to. This company has violated this multiple times within the last year, when brought up the most recent time I was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: GA

Complaint narrative:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
This company purchase my loan from XXXX and then sold my loan to XXXX XXXX  and are claiming they dont have access to my insurance check that XXXX transferred to them on XX/XX/2022. I will post documents with proof of XXXX stating they transferred proceeds. My property is having more damage as a result of this negligence and robbery from these companies negligence towards me as a consumer. I feel these companies are breaking laws by giving my information away without consent from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: DISCOVER BANK
State: CA

Complaint narrative:
I had this account with Discover bank, the account had fraud on it and the company closed my account with a negative balance. I contacted the company and filed a dispute and the company sent me a check for {$75.00} on XXXX and I was informed the accout was at a zero balance and clear. 
On XXXX I went and opened a creditr union account through my job and they informe me discover back reported me to XXXX for {$70.00}. After opening my account I called discover bank and explained to the representative what happened, she verified the refund was issues last year and confirmed a XXXX report should of never been reported as the accound was negative due to fraud and resolved with dispute. The representative left me on hold to find a manager, she then said no manager was available and offered to have me continue to hold. 

This issue needs to be resolved and they need to remove any and all negative reporting they submittes to checksystems and/or any other reporting agencies. 
*The account is under my legal name XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: TX

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: MD

Complaint narrative:
I settled a credit card account with the XXXX XXXX  XXXX XXXX XXXX XXXX in XX/XX/2022. They are still reporting this debt as an active collection. I have filed numerous complaints about this through this portal and the credit bureaus are not making the appropriate changes to my 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