vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2023 my Bestbuy card from Citibank was charged {$2700.00} at Best Buy in XXXX Fl. I did not make or authorize this purchase. I contacted Best Buy and filed the transaction as fraud. I was asked if the credit card was in my possession which I replied yes. The Best Buy credit card I had was not activated. 
The fraudulent transaction was made via their look up method which you provide personal information to verify your account and can make a purchase without the physical card in hand. 

Today I receive a call from citi bank fraud department stating my claim has been denied due to me having my Best Buy card and the transaction being done via chip reader. I expressed the improbabilities since XXXX. I never made the purchase. XXXX. The card was never activated. XXXX. I have the online receipt that clearly states the transaction was made via look up. 

As my frustration grew from being accused of committing fraud I asked to speak to a supervisor, which I was denied and would need to wait XXXX hours to get a call back. I went to the extent to get a copy of the receipts and send them to their email. 

Attached youll find a copy of the fraudulent transaction which next to the dollar amount youll see the term look up. Also attaching a transaction I did with the chip reader which youll see next to the dollar amount. 

This is an unethical attempt to decline my claim with false information

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 2023-12-21 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: NV

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023

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 2023-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It is with great frustration and bewilderment that I address the handling of this issue by your bureau. The account in question is with XXXX XXXX XXXX XXXX, bearing the account number XXXX and an open date of XX/XX/2020. Astonishingly, despite being the victim of identity theft, and despite the corrective actions taken by other credit bureaus, your bureau continues to report this account incorrectly. I must emphasize that the other major credit bureaus, have promptly acknowledged and rectified the inaccuracies related to this account. However, I am deeply puzzled and annoyed by the persistent reporting errors on your end. I want to make it explicitly clear that your bureau lacks sufficient information to verify the accuracy of the XXXX XXXX XXXX XXXX account. As such, continuing to report this account without validation is not only erroneous but also a violation of my rights as a consumer. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).

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 2023-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL

Complaint narrative:
On XX/XX/2023, I applied for a Merchant account with XXXX XXXX XXXX ( TSYS ) processor. XXXX. 

On XX/XX/2023, I received a declined response ( underwriter ). The merchant services stated the application was declined due to the MATCH list reported. I requested the detailed information from underwriter ( XXXX XXXX ), but refused to share with me my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hi, I have a bank called XXXX XXXX XXXX  and sent wire to Bank of America na for a car for XXXX and the Bank of America called my bank XXXX XXXX XXXX and said it was suspicious then my bank manager called me and told me ask me to check it out then I found out it is scam .so Im trying to get back my money. It was part of my XXXX. Please if you can help .thanks

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 2023-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am here again to express my extreme concern and frustration with the reporting of an account on my credit file that does not belong to me. The XXXX XXXX XXXX account, with the account number XXXX  and an open date of XXXX XXXX XXXX, is being inaccurately reported on my credit file, causing undue distress and XXXX. I have already taken the necessary steps to dispute this account with other credit bureaus, who have acknowledged the error and have promptly removed it from my records. It is perplexing and disheartening that your bureau has not followed suit. I am a victim of identity theft, and it is essential that credit bureaus comply with reasonable requests to ensure accurate reporting. I demand that you conduct an immediate and thorough investigation into the accuracy and validity of the XXXX XXXX  XXXX account on my credit report and take the necessary steps to rectify the error promptly. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2023-12-21 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: CA

Complaint narrative:
I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: CA

Complaint narrative:
I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Private Mortgage Advisors, LLC
State: MS

Complaint narrative:
We are currently attempting to purchase a new home while the other is closing. We had a lender for the realtor company ( Private Mortage AdvisorsXXXX XXXX XXXX pull a soft inquiry for a prequalification letter we needed to present to the sellers. 

This company instead pulled a hard credit inquiry and screwed up our credit, which I have been trying to keep a clean record of since we started the selling process of our last home, so we can purchase a new one. 

The lender questioned details he did not need to know for the prequalification also, as well as attempt to talk the realtor into getting a conventional loan with his company instead of a VA loan. He pulled the hard inquiry and decreased our odds in finding a different lender on purpose, obviously we have a credit monitoring system in place that alerts us when hard inquiries are done. We haven't had one since XXXX of last year because we were getting ready to purchase a new home and sell ours. I am reporting him to the credit bureau, but this is a formal complaint and a violation of the law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have carefully reviewed my credit report and can confirm that this account was paid in full and should not be labeled as a charge-off. The payment history for this account reflects that it was settled and closed with a XXXX balance. I was the victim and Im not sure why the CRA is not complying with the law. Therefore, I request that you investigate this matter and correct the inaccurate information on my credit report. I need this account to be updated as it was ruining my financial standing and staining my credit report due to its inaccurate reporting. 
XXXX  - XXXX XXXX XXXXXXXX This account was never a charge-off. Account was paid in full. 
I kindly request that you conduct a thorough investigation into this matter and update my credit report accordingly. The inaccuracies in reporting have adversely affected my credit score, and I believe that correcting this information is essential for an accurate representation of my creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and up-to-date information on my credit report. I appreciate your prompt attention to this matter and request that you complete the investigation within the XXXX timeframe stipulated by the FCRA.

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 2023-12-21 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: FL

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: FL

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: TX

Complaint narrative:
I have sent several letters asking Transunion to provide proof of these inquiries. I have also given them several calls. Transunions investigation is suppose to be 30 Days, it has been beyond 30 Days. I ask that the inquiries below be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: NV

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to bring to your immediate attention a matter of utmost importance regarding the presence of fraudulent accounts on my credit report. I recently obtained a copy of my credit report and was shocked to discover unauthorized and fraudulent entries negatively impacting my credit score. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

I vehemently dispute the accuracy and legitimacy of the aforementioned accounts, as I have never engaged in any financial transactions with the mentioned creditor. These entries are not a result of any action on my part, and I believe that my identity has been compromised, leading to the inclusion of these fraudulent accounts on my credit report. 

XXXX XXXX XXXX  XXXX FRAUD, PLEASE DELETE!!!!! 

I demand an immediate and thorough investigation into these matters, and I request that you take the necessary steps to remove these fraudulent accounts from my credit report at the earliest possible opportunity. The presence of these inaccurate entries is not only damaging my creditworthiness but also causing undue stress and inconvenience. 

I expect prompt action in accordance with the Fair Credit Reporting Act ( FCRA ) to rectify this situation. Please provide me with a detailed written explanation of the steps you are taking to investigate and resolve this matter within the next 30 days. Additionally, I request that you furnish me with a corrected copy of my credit report once the fraudulent entries have been removed. Please acknowledge receipt of this letter promptly and inform me of the steps you are taking to address this matter. I can be reached at the contact information provided above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to bring to your immediate attention a matter of utmost importance regarding the presence of fraudulent accounts on my credit report. I recently obtained a copy of my credit report and was shocked to discover unauthorized and fraudulent entries negatively impacting my credit score. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.

I vehemently dispute the accuracy and legitimacy of the aforementioned accounts, as I have never engaged in any financial transactions with the mentioned creditor. These entries are not a result of any action on my part, and I believe that my identity has been compromised, leading to the inclusion of these fraudulent accounts on my credit report. 

XXXX XXXX XXXX - XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXXXXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX BANK XXXX FRAUD, PLEASE DELETE!!!!! 

I demand an immediate and thorough investigation into these matters, and I request that you take the necessary steps to remove these fraudulent accounts from my credit report at the earliest possible opportunity. The presence of these inaccurate entries is not only damaging my creditworthiness but also causing undue stress and inconvenience. 

I expect prompt action in accordance with the Fair Credit Reporting Act ( FCRA ) to rectify this situation. Please provide me with a detailed written explanation of the steps you are taking to investigate and resolve this matter within the next 30 days. Additionally, I request that you furnish me with a corrected copy of my credit report once the fraudulent entries have been removed. Please acknowledge receipt of this letter promptly and inform me of the steps you are taking to address this matter. I can be reached at the contact information provided above.

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 2023-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to bring to your immediate attention a matter of utmost importance regarding the presence of fraudulent accounts on my credit report. I recently obtained a copy of my credit report and was shocked to discover unauthorized and fraudulent entries negatively impacting my credit score. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

I vehemently dispute the accuracy and legitimacy of the aforementioned accounts, as I have never engaged in any financial transactions with the mentioned creditor. These entries are not a result of any action on my part, and I believe that my identity has been compromised, leading to the inclusion of these fraudulent accounts on my credit report. 

XXXX XXXX XXXX - XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX  XXXX FRAUD, PLEASE DELETE!!!!! 

I demand an immediate and thorough investigation into these matters, and I request that you take the necessary steps to remove these fraudulent accounts from my credit report at the earliest possible opportunity. The presence of these inaccurate entries is not only damaging my creditworthiness but also causing undue stress and inconvenience. 

I expect prompt action in accordance with the Fair Credit Reporting Act ( FCRA ) to rectify this situation. Please provide me with a detailed written explanation of the steps you are taking to investigate and resolve this matter within the next 30 days. Additionally, I request that you furnish me with a corrected copy of my credit report once the fraudulent entries have been removed. Please acknowledge receipt of this letter promptly and inform me of the steps you are taking to address this matter. I can be reached at the contact information provided above.

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