vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Statement Supporting my Appeal to the Denial of my Fraud Claims with Citibank XX/XX/XXXX XXXX ) I am a signatory on the Citibank checking account on which this fraud occurred and the person initiating this fraud claim appeal. 

XXXX ) I have a checking account with Citibank , N.A . located at XXXX and XXXX in XXXX XXXX, California. 

XXXX ) On XX/XX/XXXX I wrote a check to XXXX ( a XXXX man operation ) for {$19000.00}, dated XX/XX/XXXX for the purchase of equipment and materials by this XXXX for the purpose of installing a new heating and air conditioning system at my residence. 

XXXX ) Because XXXX requested another form of payment, the check was voided by the printing of the word VOID across the entire face of the check in large, clear, handwritten print ( A copy of this voided check, entitled Exhibit A is attached to this document ) XXXX ) Apparently XXXX, who gained possession of this check which was clearly voided, was able to fraudulently apparently cash it at a Citibank branch on XXXX XXXX without my knowledge, consent or approval, and totally against my wishes. 

XXXX ) I didnt discover this fraud had taken place until XX/XX/XXXX. That very same day I filed a fraud claim with Citibank. The Citibank form I completed was entitled Statement of Unauthorized Use in cases of Forgery, Alteration, Counterfeit or Unauthorized Remotely Create Check. 

XXXX ) My initial claims and appeals with Citibank were denied. In this document I am appealing all previous denials with additional documentation to support my claim of fraud. This appeal now includes the following documents : ( A ) This document detailing all the circumstances surround the fraud ( B ) A copy of the initial fraud claim I filed with Citibank ( C ) A copy of the voided and cashed check ( D ) A copy of the police report I filed ( E ) A copy of complaint I filed with Consumer Financial Protection Bureau 10 ) As a professional banking institution, when Citibank cashed this voided check, it breached its legal duty to exercise ordinary reasonable care in the handling of the check and is now liable for its unprofessional and negligent actions. 

XXXX ) Citibank is therefore now legally responsible to compensate me for my loss caused by its actions by restoring the money I lost when it negligently cashed the voided check : {$19000.00} XXXX ) This document is intended as a formal appeal to all previous denials of my claims and appeals regarding this matter.

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 2023-10-12 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: NJ

Complaint narrative:
On XXXX i had XXXX hard inquires on my XXXX Credit Report. I have tried to contact all 3 companies to no avail. they could not give me any information. I did contact my XXXX but I would like to report abuse of my personal information. I have not applied for any car, home, or personal loans, or opened any new credit cards.

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 2023-10-12 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: AL

Complaint narrative:
XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX INQUIRY DATE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XXXX CITIZENS XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX These hard inquiries are not mine this information is incorrect and needs to be removed 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 non-monetary relief
Consumer complaint received 2023-10-12 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: AL

Complaint narrative:
XXXX XXXX, XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XXXXXXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX These hard inquiries are not mine this information is incorrect and needs to be removed 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 2023-10-12 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: GA

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. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 non-monetary relief
Consumer complaint received 2023-10-12 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: PA

Complaint narrative:
XXXX XXXX XXXX Account XXXX XXXX has violated my rights. In accordance with FCRA 1681a-Definitons ; rules of construction ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consume and the person making the report ; 15USC 1681b permissible purposes of the consumer report.15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of this title. 
( b ) OPT OUT ( 1 ) IN GENERAL Afinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option.

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 2023-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
I was scammed by someone pretending to be a person I knew and used Cash App to scam me out of {$300.00} I don't have the date and the only proof is a screenshot of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Citizens Bank has XXXX entries on my Credit Report, with different amounts, and showing amounts as written off. 

These entries are for the same personal loan, which was settled with Citizens for a negotiated amount. This was the result of a sudden medical hardship which left me XXXX. 

This is the only creditor that I settled with that does not show a status of paid in settlement etc. They are also the only creditor that shows the sold loan as a separate item. Because the amounts are different and credit is not given for paying in settlement, it appears as if it is XXXX separate loans. 

I have tried to get this reconciled twice through the Experian Dispute Process and Citizens changed nothing ( confirmed through XXXX ). 

I then tried to get it reconciled through The XXXX XXXX XXXX XXXX for Citizens Bank. I was told that this had been elevated to the credit reporting team and that I would receive their response by mail within 30 days. This process began on XX/XX/2023 with XXXX by phone and email. My last correspondence from them was XX/XX/2023. I have followed up several times by phone and email and have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I made a purchase in the store on XX/XX/XXXX. I later contacted the store and was given permission to exchange my purchase for a smaller couch. I completed an additional purchase around XX/XX/XXXX and was told to expect a credit for my initial items within 2 days. I never received a credit from the merchant and filed a dispute. 

I sent documents confirming that I was due a credit and if reviewed properly my transaction history will show that I never received a credit. Additionally a review of the invoices supplied by the store also show that no credit was applied to my second transaction as claimed my the merchant. 

My dispute has been handled improperly. My documents have not been reviewed and Ive been given conflicting information. Please review information provided in the live chats on XX/XX/XXXX and the multiple calls. 

I am requesting a permanent credit, update to my credit report to reflect the correct high balance and a correction to the minimum payment. I am also requesting {$1000.00} in compensation for negligence.

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 2023-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To : Consumer Financial Protection Bureau, Re : Wire Transfer recall with Capital One Reference number XXXX Transaction number XXXX This is XXXX XXXX ; I purchased a custom diamonds AP Two-tone bracelet for XXXX XXXX trade for dial from XXXX on XX/XX/2023. I am a XXXX XXXX XXXX member with an account of TOTAL CHECKING ending ( ... XXXX ). I sent the wire transfer of {$8000.00} to the recipient 's Bank, Capital One, with account number ending ( ... XXXX ). On XX/XX/XXXX, I was advised by the recipient that it was no longer a Capital One Bank member ; therefore, I called XXXX, and I was informed by customer service to recall the Wire transfer. It has been about 15 days already ; I am still waiting to receive the funds back. The recipient has called XXXX various times and was told there was no deposited wire transfer for {$8000.00} on XX/XX/2023. I called XXXX multiple times between XX/XX/XXXX and XX/XX/XXXX, and the only update I received was on XX/XX/XXXX when Capital one inquired with XXXX if the diamonds were polished or rough. On the same day, I informed XXXX that the diamonds were polished and sent that information to Capital One ; since then, we have not had an update regarding the wire recall. On XX/XX/XXXX, The recipient and I did a three-way call with the Capital One Wire transfer department to inquire about the status of the funds, and we were informed that Capital One does not have the funds. The recipient and I mutually agreed that the funds to be recalled to my account ending with XXXX. 

Please feel free to request any additional information. Please, address at your earliest convenience. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: FL

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX credit bureaus was XX/XX/2023, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : 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 2023-10-12 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: GA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
A charge for {$510.00} was made to our American Express credit card at XXXX on XX/XX/2023. 

We did not make this charge. It was the day before we left on a big trip, and we are quite confident that we did not visit XXXX on this date, nor did we place any online or phone order with XXXX. 

We gave this information to American Express, but they refused to credit the charge. No information or documentation was provided for the refusal. 

Separately, we contacted XXXX 's to ask them for an itemization of what was purchased, and they refused to give us that information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-12 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: Block, Inc.
State: KY

Complaint narrative:
On XXXX I went to a XXXX XXXX  authorized dealer to sign up for their advertised home internet for {$50.00}. I was told that the company couldn't honor the advertised deal because of the remote area that I live. I was offered an alternative deal ; I could try the limited amount of internet for {$100.00} a month for 3 months. If I wasn't satisfied, I could return the router for a full refund. After 2 weeks, I had used all data. I attempted to return the router to go wireless ky aka XXXX by XXXX. During the 4 weeks I had the router, my wallet was stolen and I was issued a replacement card from cash app. Because the card was not the one used during the initial purchase, the merchant told me that they were unable to refund the money. I asked them to just refund cash because they already had received the money from my bank. They said that their system wasn't set up to provide refunds in that manner, and suggested I file a dispute with my card issuer. I was on the phone with my card issuers customer support when the merchant suggested this. I contacted XXXX directly via chat, who also recommended that I file a dispute. I screen shorted the entire conversation and sent it in with my dispute. My dispute was denied in less than 24 hours. When I requested documents that led to denial of dispute, the first 2 times I was ignored. The 3rd time, I was emailed a paper that only stated " an investigation into submission shows this was authorized and no error occurred. " I was provided a little chart that showed I had paid with electronic device. I had paid with my phone, but the fact that I had authorized the purchase initially had nothing to do with my dispute. When I called customer support, they claimed there was no way to contact dispute resolution except email, but when I attempted to email the dispute team back I was given a no reply auto message.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2023-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WA

Complaint narrative:
In XXXX of XXXX I submitted signed certification of XXXX and XXXX XXXX counts. I worked for a state agency in the past that qualified under the XXXX and submitted the verification in the required time frame along with current employment information of my current XXXX employer. I submitted these documents in XXXX of XXXX. My payment counts towards my XXXX were never updated. I sent an email to my student loan servicer in XXXX of XXXX inquiring about my updated payment counts and when I could expect to see accurate payment counts reflected on my account. It said they would reply in XXXX business days. I have yet to receive that reply and my payment counts are still not updated. When I look at submitted documents in my account it shows those certification forms as " duplicates. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation