vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-18 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: NV

Complaint narrative:
In XX/XX/2024 I ordered from a local restaurant known as the Boiling Crab. I attempted to submit a dispute with Citi because the food was inedible and I could not reach the restaurant by phone nor email for a refund. I was unable to dispute the transaction using my Citi mobile app due to it being a " food '' charge according to Citi Bank. It took over an hour and several different transfers and being given the run around to finally speak to a representative. The dispute was opened and then was closed about a month later. Citi closed the dispute and sent me a " letter '' explaining it was because they needed additional info from me, I never got that letter. I reopened the dispute AGAIN and faced the same issues, basically identical. Citi then proceeds to send me another letter stating they need more information from me but I never received said letter to my home. They then closed the dispute AGAIN because of lack of information. I spoke to well over 5 representatives and explained my problem very clearly and demonstrated that I was unable to contact the restaurant and they still refuse to refund me for my purchase. I want the charge to be reserved and to receive a full refund, I was unable to eat the food that was provided and I should not have to write a letter explaining the same exact information that I already shared with them SEVERAL TIMES on MULTIPLE OCCASIONS to receive a refund.

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 2024-04-18 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: SC

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.

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX Bank : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 explanation
Consumer complaint received 2024-04-18 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: OH

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely 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 non-monetary relief
Consumer complaint received 2024-04-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. On XX/XX/XXXX I asked the credit agencies to send me a detailed report on how these accounts were verified which they have not sent to me. 

Here are the items I am asking you to verify as accurate : XXXX : XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX XXXX  Account # XXXX XX/XX/XXXX XXXX : XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX Account # XXXX XX/XX/XXXX Experian : XXXX Account # XXXX XX/XX/XXXX Experian : XXXX XXXX Account # XXXX XX/XX/XXXX Experian : XXXX XXXX  Account # XXXX XX/XX/XXXX Experian : XXXX Account # XXXX XX/XX/XXXX Experian : XXXX XXXX Account # XXXX XX/XX/XXXX Experian : XXXX Account # XXXX XX/XX/XXXX Experian : XXXX Account # XXXX XX/XX/XXXX Experian : XXXX  XXXX XXXX Account # XXXX XX/XX/XXXX Experian : XXXX XXXX XXXX Account # XXXX XX/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 2024-04-18 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: MD

Complaint narrative:
Kindly update my account this causing me a lot of stress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: OH

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate and according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account XXXX XXXX XXXX Account # : XXXX And one more thing according to 15 USC 1681s-2 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. 

Check the attachments below

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 2024-04-18 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 request that you delete these inquiries. I have no knowledge of them, and the company conducted them without my consent.

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 2024-04-18 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: TX

Complaint narrative:
Asked for all these inquiries to be removed within a dispute and nothing have been done. I put a freeze on all of my accounts. Removed as many false information on my accounts yet these items remain. 

XXXX  XXXX XXXX : XXXX XXXX, XXXX - Bank ( XXXX ) XXXX See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Bank ( XXXX ) XXXX See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX : XXXX. XXXX, XXXX - Bank ( XXXX ) XXXX See an error? 

Find out how to dispute a hard inquiry Institution Information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX - Bank ( XXXX ) XXXX See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX - Bank ( XXXX ) XXXX See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX - Bank ( XXXX ) XXXX See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX - Credit Union See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Inquiry : XX/XX/XXXX - Travel/Entertainment See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX, TN 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 2024-04-18 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: CO

Complaint narrative:
An acont was remover called all three credit reporting agencies it was back on to day all three gave run around and could not tell why it was back on as XX/XX/2024 2024

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 2024-04-18 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Im gon na continue to fight this because now Wells Fargo is hiding the phone conversation I had on the phone with whom I spoke with. This person specifically said that they would remove this from my report in XXXX of 2022. I didnt have to make that payment but I did so that they would remove this from my report. Why would i have paid otherwise? I would have never paid something I did not authorize to be opened. I already explained that it was my ex partner who was XXXX  and revenged me this way. Why do they keep continuing to ignore what I said on the part where I did not open this account and that my ex partner had my information to log in when we broke up? They keep blaming me for it instead of looking at the real problem. What are they getting from keeping something on my report that I did not authorize and had paid them an amount to get this off of my report. Once again, I did not have to pay for this but I did.

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 2024-04-18 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: AZ

Complaint narrative:
I am writing to submit a complaint regarding an issue I encountered with Equifax. On several occasions, I noticed discrepancies in my credit report that were not reflective of my actual financial activities. Despite multiple attempts to rectify the situation directly with Equifax, the inaccuracies persist, leading to undue stress and potential financial repercussions. I seek the CFPBs assistance in addressing this matter to ensure that my credit report is corrected and accurately represents my financial history. I understand that my description may be published on consumerfinance.gov to help others learn from my experience, and I consent to this after the CFPB has taken steps to remove my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: PA

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 explanation
Consumer complaint received 2024-04-18 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: NY

Complaint narrative:
I am writing to inform you that I have been a victim of identity theft. Please consider this letter as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. Additionally, I filed an identity theft report with the FTC. 
I urgently request the removal of these accounts. Your prompt attention to this matter is greatly appreciated. I apologize for any frustration conveyed in this message. The errors on your part are causing significant financial difficulties for me, and I implore you to rectify them swiftly. Thank you for your understanding and assistance. Now, I am disputing the information that should not be appearing on my file. 

XXXX XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: CO

Complaint narrative:
An acont was remover called all three credit reporting agencies it was back on to day all three gave run around and could not tell why it was back on as XX/XX/year> 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: PA

Complaint narrative:
I always pay on time and never missed a 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 non-monetary relief
Consumer complaint received 2024-04-18 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-04-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: TX

Complaint narrative:
So back in XX/XX/2024 I purchased a car from this guy for XXXX and he had told me to send it to him to XXXX  so I sent it from my bank to his XXXX  account but I never received the car so I requested a refund but never got it so I dispute it with my bank and they denied it and said they didnt see anything wrong but I sent In the proof of the conversation between myself and the guy where he stated that my car was being delivered but I never receive the car or my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: NV

Complaint narrative:
I am writing to formally lodge a complaint against Discover for mishandling my identity theft claim. Despite providing ample evidence of fraudulent charges on my account and initiating several disputes with Discover 's fraud investigation department, my claim was unjustly rejected. This denial has had serious implications on both my credit score and financial stability. 
The fundamental issue lies in Discover 's failure to acknowledge that my phone, which was used the fraudulent charges, had been stolen. To address this, I promptly changed my phone number, email address, and other contact information associated with my Discover card. 
Regrettably, Discover did not update their records with this new information and continued attempting to reach me through the outdated, stolen phone number, hindering communication regarding the matter. 
Furthermore, while it is true that I paid for the charges in question, Discover 's assertion is both inaccurate and unfair. It is well-known that failure to settle credit card balances can lead to account closure. However, this does not justify the rejection of my claim, as it is abundantly clear that the charges were fraudulent and not linked to my legitimate financial activities. 
In my efforts to substantiate my claim, I provided Discover with a police report confirming the theft of my phone, as well as compelling evidence proving the fraudulent nature of the charges. Despite these efforts, Discover delayed conducting a thorough investigation until XXXX, even though I was initially assured by a Discover customer service representative that it would be completed in XXXX. 
During this prolonged period, I have been burdened with re-paying the fraudulent charges that I had already settled, waiting for the initial investigation to conclude. This ongoing predicament is severely affecting my credit and exacerbating my financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Upon reviewing my credit report, I discovered inaccurate accounts that need to be reported and corrected by your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
These accounts are a violation of 15 U.S. Code 1692c

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: TN

Complaint narrative:
I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate information that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with explanation