vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 00:00:00
Product: Credit card — Store credit 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally complain about a serious issue concerning my credit card associated with Home Depot and the subsequent lack of support provided by their customer service team. 

In XX/XX/2024, I received a notification alerting me to a charge on my account. As I still have possession of my card, I believed this to be fraudulent, so I immediately attempted to contact customer service to verify the transaction, understand its details, and dispute it. Despite my efforts in calling the team three time, I am extremely dissatisfied with the responses received.

Each time, representatives were unwilling to disclose any details of the transaction, including the amount, which is vital for verifying the legitimacy of the charge. Also, I asked for the appropriate mailing address to formally dispute the charge and express my intention to close my account because of this breach. Regrettably, the team failed to provide the necessary support or guidance on how I could proceed with these security concerns.

This experience not only raises significant concern over Home Depot 's security measures but also suggests a disappointingr care and accountability in handling potential fraud situations lack of custome.

Therefore, I am requesting an immediate resolution to this matter by : 1. Providing me with the transaction details of the disputed charge.

2. Issuing a reversal of any fraudulent charges incurred on my account.

3. Providing the mailing address where I can send a formal dispute and request for account closure.

4. Closing my account posthaste to prevent any further unauthorized activity.

Please treat this matter with the urgency it requires, as it affects my financial security and trust in Home Depot. I expect a response from Home Depot, failing which I will have no choice but to escalate this issue through legal channels and report it to the relevant financial oversight and consumer protection agencies.

Thank you for your prompt attention to this serious matter. I look forward to your swift response and resolution.

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 2024-05-15 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:
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 2024-05-15 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:
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 explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I was hacked by my landlord with the permission of XXXX XXXX. My checking was hacked on XX/XX/XXXX XXXX.When I noticed that I got locked out of my online account I contacted Capital One to find out why. The CSR associate told me that I got locked out due to suspicious activity that they noticed on my account. I confirmed that my email and phone were hacked with XXXX 's consent. My checking was immediately closed and I was issued a new card. Not only was my checking compromised but in XXXX my credit card payments started being returned and this never occurred since I had the credit card since XXXX. I've never had Any problems with making payments on time which is the XXXX of every month. When I was no longer employed because I work seasonally due to the XXXX I have. I started to pay the $ XXXX minimum every time and on time. The bank or the hacker started returning my credit card payments in XXXX XXXX. I've never had any payments returned up to when the hacking incident occurred and I can prove it. It always went through in a day or XXXX. On XX/XX/XXXX I contacted Capital One about the payments being returned and that I was certain that this was linked to me being currently hacked. I requested that my account be closed and asked that a new card be mailed to me. The CSR rep said that she would send me a new card and the old account would be immediately closed. A couple days later Capital One sent me a letter acknowledging my concern and told me the account was closed. They have since increased my payments due to the alleged non payments and they have denied the fact that it was I who requested to have the account closed. They have put fraudulent information on my credit report such as payment amounts and have brought my credit XXXX points lower from what it was. Which I will and have attempted to dispute with XXXX. I am concerned that this is going to be an ongoing issue with Capital One. An issue of having my payments returned as they have been doing for the last XXXX months. I can prove everything I have just stated in a court of law. Capital One has added injury to insult by penalizing a victim of illegal criminal hacking by my landlord and XXXX XXXX. I would like them to remove the fraudulent statements they've placed on my credit and to reimburse my credit rating back to what it was before this criminal incidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: PA

Complaint narrative:
XXXX has been reporting an incorrect address since XX/XX/2012. The reported address, ( XXXX XXXX XXXX XXXX ), is outdated and inaccurate. This erroneous information is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), which mandates that consumer reporting agencies like XXXX ensure the accuracy of the information they maintain. Additionally, XXXX 's reporting of an outdated address violates my rights under the FCRA to have accurate information in my credit file. I would like to emphasized that I do not reside at the address mentioned above. Therefore, its inclusion in my credit file is entirely inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-15 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: TX

Complaint narrative:
I noticed unauthorized credit inquiries on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hi, My name is XXXX XXXX XXXX is XXXX XXXX XXXX XXXX Texas XXXX My account number is XXXX My social security number is XXXX My birthday is XX/XX/XXXX XXXX I have a twin. We are born XXXX minute apart. Her name is XXXX XXXX and my name is XXXX XXXX. We have the exact same birthday. Also our socials are almost the same. My twin recently applied for a capital one Quick silver car ore approval card. Exactly after she got approved for it they gave Me an hard inquiry & I believe her as well. I did not have anything to do with her pre approval. All I did was give her a refer a friend link thats it. Our information is incorrect. I do want this removed. According to 15 U.S.C 1681 this must be removed. Thankyou so much.

CAP ONE NA Inquiry date XXXX XXXX Removal date- XXXX  Type - bank credit cards Phone number - XXXX Ive called them but they told me to call XXXX and Ive called XXXX and they told me to call capital one so now I need it removed because this is incorrect information we are XXXX different people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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:
I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I initiated a wire online for XXXX. The account had around XXXX in it at the time so I transferred XXXX into the account prior to doing the wire online to have enough to do the wire. The wire was done at XXXX Arizona XXXX on XX/XX/XXXX, XXXX  so the wire was going to process on XXXX, XX/XX/XXXX. The wire ended up being process on XXXX, XX/XX/XXXX and it was processed twice for a total of XXXX transactions in the amount XXXX each. When I reached out to chase bank, they said I did the wire XXXX times which is impossible because I did not have XXXX in my account to do it XXXX times. The activity on the online profile shows I only did the wire XXXX times but was taken out XXXX times. They said they had to recall the wire and I would possibly get less money back because of fees and I would have to wait a minimum of XXXX  days and have to get approval from the recipient. I did not iniate the wire XXXX times. It was a mistake on chases end and I have to suffer the consequences. I needed that money to pay for payroll for my employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: CA

Complaint narrative:
Sent this debt collector a validation request and they failed to provide it as required under the FDCPA. Because of this failure to properly validate this debt, they need to immediately either provide all requested documentation or delete this collection account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: CA

Complaint narrative:
I looked at my XXXX credit report on XX/XX/2024 and noticed an account that is NOT ACCURATE. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 


XXXX XXXX Account Number : XXXX -PLEASE UPDATE THIS ERRONEOUS INFORMATION And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

This information is invalid and must be deleted immediately as I have experienced extensive hardship over this late payment. 


Under 15 USC 1681e ( b ), THE LAW CLEARLY STATES : ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


I have attached a screenshot of the late payment in question as XXXX has this payment CORRECT and listed as PAID ON TIME/NEVER LATE on their report. 



I am attempting to settle this privately. Please correct this late payment to PAID ON TIME/NEVER LATE by XXXX  days of receipt of this letter and send me an updated 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 2024-05-15 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: WI

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: NC

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

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 explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Requested four times the company 's verify the accounts with physical verifiable proof with my signature on documents via mail. The company 's or credit agency never sent any proof via mail stating anything just ignored my request multiple times. I am sick and tired of being ignored so I'm filing this complaint to try to get justice as a consumer with rights. I will upload proof of my documents I sent in to them and they never replied or contacted me via mail.

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 2024-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have

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 2024-05-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you Experian 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 inaccuracies and false information consists of personal credit card accounts XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account number XXXX. XXXX XXXX  opened XX/XX/XXXX under the account number XXXX. XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account number XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections and charge offs reporting on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, charge offs or hard inquiries as reported. The aforementioned accounts, collections, hard inquiries and charge offs maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. I have attached a copy of the FTC identity Theft Criminal Complaint as proof from the US Federal Trade Commission Report number : XXXX that all of the aforementioned consumer credit accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. 
According to FCRA 605B ( 15 U.S.C. 1681c-2 ) So I requested a description of the investigation and they did not provide it to me which is a violation of 15 USC 1681i7 . 
They also violated 15 USC 1681i ( 5 )

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The presence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: FL

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