vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-15 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: Credit Karma, LLC
State: FL

Complaint narrative:
I was offered a XXXX XXXX  credit card from Credit karma, On XXXX XXXX XXXX I deposited {$80.00} on XXXX next day I found a {$54.00} purchase that I never made I file a dispute and never got a response, then I file another dispute this time they canceled my card and ordered another one ( still I haven't receive it yet ), Today XXXX  I called and was transferred through departments finally I give up. I just want to get my money refunded and I will cancel all ties with Credit Karma for good, thank you for any help in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-15 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/XXXX, I applied for a car loan at Navy Federal Credit Union. I'm an XXXX XXXX XXXX XXXX and have been a member of the credit union since XXXX. I decided to apply for a used car loan based on the advertised rate for a 72-month loan which was 6.09 %. Navy Federal approved my loan with an interest rate considerably higher than the advertised rate. The rate that I was approved for was 8.09 %. Please note that the car I'm purchasing is a XXXX XXXX XXXX, with XXXX miles. The dealer invoice for the car, including taxes and fees totaled {$32000.00}, with my total downpayment of {$10000.00}, leaving a loan amount of {$22000.00}. In sum, I was surprised that Navy 's rate was much higher than the rate I received from a smaller credit union located within the DC market. According to a letter that I received from Navy Federal on XX/XX/XXXX, my XXXX XXXX XXXX XXXX is XXXX ; I have no delinquent or derogatory credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: NY

Complaint narrative:
The company report me 4 times for a bills i never owned and the company don't have any of my correct information such as address, social security number ... that actually brings my credit score very down ... As a XXXX XXXX XXXX that reports mess up all my business. 
-ABILITY RECOVERY SERVICES ( XXXX XX/XX/2023 ) {$1400.00} -ABILITY RECOVERY SERVICES ( XXXX XX/XX/2023 ) {$1300.00} -ABILITY RECOVERY SERVICES ( XXXX XX/XX/2023 ) {$520.00} -ABILITY RECOVERY SERVICES ( XXXX XX/XX/2023 ) {$1400.00}

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 2023-12-15 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: TN

Complaint narrative:
XX/XX/23 According to the Fair Credit Reporting Act, Experian, the consumer reporting agency, has violated the following US codes pertaining to the removal unnecessary names on my, the consumer, credit report : 15 USC 1681. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

Among that, they have also violated 15 USC 1681b -Permissible purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

There should only be one name on my credit report and there is 9 total, some of which were my married name that I no longer legally use and others are misspelled. I should only have one name listed, and that name is the only one tied to all of my accounts. I have attempted to call and resolve this matter several times and was blatantly refused by multiple employees ( XXXX, XXXX, XXXX, & supervisor, XXXX. ) I have stated that they were violating the FCRA and multiple laws within that ( 15 USC 6802, 16 CFR 313.7, 15 USC 1681b, n, e, & c. ) I attempted to call Experian again to resolve this matter, only to find out that my phone number was flagged/ blocked and I was not allowed to complete the call. Attached will be a copy of my credit report via Experian. If you need any further information on this matter, I will gladly provide what I can.

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 2023-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2023 about XXXX PST, I added an external credit union account to transfer {$10000.00} was denied on the Citi website. Called the toll free number and was put on hold for ~40 minutes to only be told that the Fraud department is closed and to call back the next day. 

Next day XX/XX/2023 around XXXX PST only told to call the Fraud department back in the 3-4 hours. The representative told me I would get a call back instead. Got a call back from the person that said everything was resolved but it wasn't as I tried again to transfer the money and was denied. I called again and was to wait 3-4 hours before the online account would reflect. I asked if the representative if I go to a bank would they be able to give me all my money in cash. He said yes. Without ever knowing if I would ever be able to get my money out of the bank, I made an attempt to liquidate the account in cash in person at XXXX. I was told I could not be given the complete balance and that {$20000.00} was the maximum. I had to wait for an authorization from some remote department. I was given the amount in cash. I went to a second location ( XXXX XXXX, XXXX ) at XXXX XXXX to continue to attempt to get all my funds and was only given {$10000.00} after talking with the fraud department. Then I went to a third location to attempt to withdraw the maximum in cash and was denied after getting verified. I went back home continue to try again to transfer {$10000.00} online and again I was denied with the same message. Again I made another attempt to reach a person and find out what was going on at XXXX. Again referred me to the XXXX department that was closed and to try the next day. 

On XX/XX/XXXX, I tried in the morning at XXXX PST to call and was told everything was again resolved and to wait some time for that to reflect. 
On XX/XX/XXXX my online account was deactivated and I was again referred to the Fraud department. They told me to wait for a letter but I already wanted to liquidate and close my account. I only wait for another ACH transfer I initiated to withdraw from that account to clear before I closed. I had to call in to get make sure I get my money and to be able to close out the account due to their inability to be clear on the rules for fraud and fraud detection. 

No where in any of this was I communicated that I should not withdraw large amounts or that my account would be restricted if I continued this. No one gave me any support to say this initial matter would be resolved. Had I know transferring money out of an account with Citibank would be an issue I would never had opened one.

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 2023-12-16 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Since XXXX of this year, Chase has deducted {$34.00} from my checking account thirty three ( 33 ) times ( including 5 times this week ). That's {$1100.00} despite the fact I'm opted out of overdraft. They're supposed to decline all transactions if I don't have sufficient funds in the account, but they pick and choose which ones to decline. A lot of these charges are for transactions {$50.00} or less! I thought we had a law that curbs these exorbitant fees by these banks?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After reviewing my consumer report I noticed hard inquiries that I did not make nor did I authorize anyone to pull my credit report. 
also a collection that was not from me it from 2013 when my identify was stolen and i had a fraud alert on my credit since that happened 10 years ago not only was it not me by law the statute of limitations is up on this date.

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 2023-12-16 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: IN

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2023-12-16 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: IN

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: VA

Complaint narrative:
EQUIFAX is breaking the consumer law pertaining to : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX I've uploaded documents I need this corrected immediately. This is a violation of my consumer rights. I've lost XXXX XXXX XXXX and mentally stress out.

If this isn't resolved. I will have no choice but to move forward with litigation. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 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: PA

Complaint narrative:
I am writing to you today in accordance with the provisions outlined in the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), which emphasizes the importance of consumer reporting agencies conducting their responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy.

In alignment with this right to privacy, as supported by 15 USC 6801, it is my prerogative to ensure that my private information is not shared. Furthermore, 15 USC 1681 section 604 ( a ) ( 2 ) delineates that a consumer reporting agency may furnish a consumer report solely in accordance with the written instructions of the respective consumer. As such, it is imperative for consumer reporting agencies to uphold reasonable procedures to prevent violations and to restrict the furnishing of consumer reports to specific purposes, as specified in section 1681b.

Regrettably, my recent examination of my credit report has revealed instances where reasonable procedures may not be adequately maintained by XXXX, Equifax and XXXX. In adherence to the rights afforded by 12 CFR 1016.7, I am hereby exercising my right to opt out at this time. 

I kindly request the removal of the following accounts from my credit report : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX Request : Please delete this account and any similar accounts from my credit report. 

XXXX Account Number : XXXX Request : Kindly remove this account from my credit report. 

XXXX XXXX Account Number : XXXX Request : Please delete this account from my credit report. 
XXXX XXXX Account Number : XXXX Request : Kindly remove this account from my credit report. 

XXXX Account Number : XXXX Request : Please eliminate this inaccurate information from my credit report. 
I appreciate your prompt attention to this matter and the timely removal of the specified accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 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: PA

Complaint narrative:
I am writing to you today in accordance with the provisions outlined in the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), which emphasizes the importance of consumer reporting agencies conducting their responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy. 

In alignment with this right to privacy, as supported by 15 USC 6801, it is my prerogative to ensure that my private information is not shared. Furthermore, 15 USC 1681 section 604 ( a ) ( 2 ) delineates that a consumer reporting agency may furnish a consumer report solely in accordance with the written instructions of the respective consumer. As such, it is imperative for consumer reporting agencies to uphold reasonable procedures to prevent violations and to restrict the furnishing of consumer reports to specific purposes, as specified in section 1681b. 

Regrettably, my recent examination of my credit report has revealed instances where reasonable procedures may not be adequately maintained by XXXX, XXXX and Experian. In adherence to the rights afforded by 12 CFR 1016.7, I am hereby exercising my right to opt out at this time.

I kindly request the removal of the following accounts from my credit report XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Request : Please delete this account and any similar accounts from my credit report. 

XXXX Account Number : XXXX Request : Kindly remove this account from my credit report. 

XXXX XXXX Account Number : XXXX Request : Please delete this account from my credit report. 
XXXX XXXX Account Number : XXXX Request : Kindly remove this account from my credit report. 

XXXX Account Number : XXXX Request : Please eliminate this inaccurate information from my credit report. 
I appreciate your prompt attention to this matter and the timely removal of the specified accounts from 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 explanation
Consumer complaint received 2023-12-16 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: OH

Complaint narrative:
I just received a copy of my credit profile and There's information that doesn't belong to me. MY identity was stolen during the Equifax Data Breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 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: FL

Complaint narrative:
I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2023-12-16 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: FL

Complaint narrative:
I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2023-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates has transferred an alleged debt to a litigation attorney despite my initial requests to cease phone calls to me and submit all documents to me via mail. I have also requested in writing that Portfolio validate the debt they allege that is owed to them via the attached letter to which I have never received any response with the requested documents and information. Although they have a pending case open, I still have not received any information validating the debt and the right to collect such debt. In my letter I also requested pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g that I dispute the validity of this debt and request that Portfolio provide me with the following information : 1. Verification of the Debt : - Please provide detailed documentation verifying the legitimacy of the debt, including the full account balance, the original creditor, and the nature of the debt.

2. Proof of Assignment : - Provide evidence demonstrating that Portfolio Recovery Associates LLC has the legal right to collect on this debt, including any agreements or contracts between your agency and the original creditor authorizing such collection efforts.

3. Complete Payment History : - If applicable, please provide a complete payment history for this alleged debt, including any interest or fees that have accrued. 

4. Proof of License and Bond : - Confirm that Portfolio Recovery Associates LLC is duly licensed and bonded to collect debts in my state, and provide relevant documentation. I never received response and never received a notification or update to my credit report that the account was in dispute as I should have per FCRA Section 623. What I did receive was a notice that the account was transferred to litigation department and offers to settle. I can not offer to settle a debt that I have not confirmed is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-16 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: VA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent 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