vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 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:
On XX/XX/XXXX and XXXX Bought from XXXX XXXX XXXX XXXX ) decorative masks= {$4400.00} to be shipped airfreight to XXXX XXXX XXXX Items not received until XXXX XXXX!!! XXXX XXXX declined to release them to me because packing ( inside items were ok ) was not properly fumigated as per U.S.Regulations. So, package was withheld. I disputed charges with XXXX and Citicard # XXXX ( {$4400.00}? and XXXX ( {$150000.00} ). Then vacationed in XXXX for XXXX month ( used Citicard there many times which proves we were there ) while in XXXX Citi requested more info by mail to our XXXX address. We of course did not get it in XXXX. So Citi denied our disputes. Upon our return, we spoke to Citi on XXXX XXXX, explained the situation and they allowed us to present our dISPUTES. XXXX days ago ( XX/XX/XXXX ) Citi denied disputes again they told us we had missed deadline!!!!! AS IF WE HAD NOT SPOKEN ABOUT IT BEFORE. WE HAVE NEVER RECEIVED OR HAD ACCESS TO our MERCHANDISEXXXX!!! Shipper 's internal memo clearly states they had NOT followed XXXX, XXXX regulations!!! Regardless, Citi will not revisit or defend our position. XXXX XXXX laws DO NOT Allow me to try to fumigate crate, but instead I would have to send it back at my cost. Our broker advised us costs and difficulty would surpass what we had already paid for merchandise and suggested best would be to abandon it to XXXX ( their daily storage {$190.00} daily would be enormous at this stage plus red tape for fumigating and returning, etc )-

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 2024-11-21 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:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$XXXX}. These account have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the collection, or hard inquiries as reported. The aforementioned collection, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collection, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit collection, and hard inquiries are the result of identity theft and 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 2024-11-21 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-21 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:
[ 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 XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX Customer Service, I am writing to formally dispute the accuracy of the trade line reported for XXXX XXXX on my credit report. Upon reviewing my credit file, I have noticed that this account is inaccurately linked to the address XXXX XXXX XXXX. I would like to assert that I have never resided at this address nor have I had any dealings with this account. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or misleading information in my credit report. Specifically, the account associated with the address mentioned above is not mine and seems to have been reported in error. 

To assist you in the investigation, I am providing the following details regarding the account in question : - **Account Name** : XXXX XXXXXXXX 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 Moreover, I request that you provide me with the following documentation to substantiate the validity of the alleged debt associated with this account : XXXX. **Proof of XXXX XXXX : Documentation showing the original agreement or contract regarding the alleged debt. 
XXXX. **Insurance Claim on the Debt** : Any records indicating that an insurance claim has been filed regarding this account. 
XXXX. XXXX 's XXXX XXXX XXXX XXXX XXXX ) ** : The original creditors records that verify the validity and ownership of the debt. 
XXXX. **Statute of Limitations Information** : Information regarding the statute of limitations applicable to this debt, including the date of the last payment made on the alleged debt. 

I kindly request that you investigate this matter thoroughly. If you find that this account has been reported in error, I request that it be removed from my credit report to ensure my file contains only accurate information. 

Please confirm the receipt of this dispute letter and keep me updated on the progress of your investigation. I can be reached at [ XXXX ] or [ XXXX ] for any clarifications or additional information you may need.

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, [ XXXX XXXX XXXX ] Enclosures : XXXX. XXXX of Credit Report ( with the account in question highlighted ) XXXX. Proof of Identity ( if necessary )

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 2024-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
This is the email I am constantly getting from paypal saying I owe for an apple product. I have never bought an apple product in my life and i do not use paypal. I have received about XXXX of these emails so far and I want them to stop. I reported this to the better business bureau but have heard nothing in response. This is the content of the email : PayPal Here 's your invoice XXXX XXXX sent you an invoice for {$XXXX} XXXX  Due on receipt. 

Invoice details XXXX requested {$XXXX} XXXX  Note from seller Thank you for your purchase! We appreciate your business. If you have any questions or need assistance regarding your order, please dont hesitate to reach out to us at XXXX ( XXXX ) XXXX. If we dont hear from you, we will move forward with processing your transaction. Thank you for choosing us! 
Invoice number XXXX- # XXXX View and Pay Invoice Don't recognize this invoice? 


Report this invoice Before paying, make sure you recognize this invoice. If you don't, report it. Learn more about common security threats and how to spot them. For example, PayPal would never use an invoice or a money request to ask you for your account credentials. 

Buy now. Pay over time. 

Simply select PayPal Credit at checkout and enjoy No Interest if paid in full in XXXX  months. Subject to credit approval. See terms. XXXX customers only. 

PayPal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PayPal is committed to preventing fraudulent emails. Emails from PayPal will always contain your full name. Learn to identify phishing Please don't reply to this email. To get in touch with us, click XXXX & XXXX. 

Not sure why you received this email? Learn more XXXX XXXX PayPal, XXXX XXXX XXXX reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: CA

Complaint narrative:
After going through my credit report, I found accounts listed that are currently tied to ongoing litigation. Since these accounts are still unresolved, their inclusion is harming my credit profile in an unfair manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: NY

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After going through my credit report, I found accounts listed that are currently tied to ongoing litigation. Since these accounts are still unresolved, their inclusion is harming my credit profile in an unfair manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2024-11-21 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: TX

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have reached out to Capital One several times regarding the past due account its my understanding the the new rule only allows {$8.00} late fees I am being charged more than that I also asked about information regarding hardship program which I was told they offered when I opened the account they have refused to give me that information and terms and agreement to understand my rights with regards to account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC
State: OK

Complaint narrative:
COLLECTION MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Company has tried to receive collections from medical incident from years ago that was covered by insurance through an auto accident. Other person involved in accident had insurance cover for my medical but I cant find receipt nor will company locate it for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-11-21 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
I am writing to address an issue regarding the purchase of XXXX tickets from XXXX. I used my XXXX XXXX  and email on my phone for this transaction. The XXXX provided these tickets through a third party, and despite following their instructions, I was unable to retrieve the tickets via the application. 

I had also purchased refund insurance, which allows for cancellation at any time. Consequently, I contacted both the XXXX and XXXX  XXXX XXXX to request either an alternative method to receive the tickets or a refund. They provided instructions and a URL for the refund process, but I was unable to obtain the refund. 

Determined to attend the event, I purchased additional tickets. I continued to email both organizations, as neither website offers a support phone number. I have attached all related communications to this email. 

Subsequently, I requested a refund from my credit card company, which was approved and issued. During this period, my wife XXXX XXXX to our daughter and underwent XXXX, which occupied my attention. As a result, I missed the notification on the app. Additionally, when I registered with the online app, I was set to paperless, so I did not receive any letters by mail. 

I have contacted Citi multiple times regarding this matter. Each time, they open a case and provide the same update, stating that I am not eligible for a refund for the charge because I responded XXXX  days late to their notification to submit support documents and I had done that initially when I request the dispute as well.

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 2024-11-21 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: AZ

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2024-11-21 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:
Recently, I did an investigation on my credit report which caused severe 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 response to consumer: Closed with non-monetary relief