vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-07 00:00:00
Product: Credit card or prepaid 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: NJ

Complaint narrative:
XX/XX/XXXX 8 Fraudulent Orders were placed on XXXX using my credit card. Each in the amount of {$74.00} XX/XX/XXXX the 8 charges were posted to my Citi credit card As soon as I noticed the charges on XX/XX/XXXX, I called Citi to file disputes against those 8 charges. The agent I spoke with filed them under " fraud disputes '', which was later denied by Citi given the fact that I had ordered from this merchant before in the past. 

On XX/XX/XXXX, I had to speak with a different Citi agent to re-file those disputes under " purchase disputes ''. 

On XXXX, the merchant responded to Citi claiming that the charges are valid simply because they have a transaction and that their " tracking '' states shipment was completed. In regards to this : if you check the tracking number associated with the fraud orders, none of them were delivered to my address. My address is in NJ and the XXXX tracking says delivered to XXXX All 8  of the orders in XXXX order summaries actually have the same XXXX XXXX tracking number. XXXX even changed the status of the 8 fraud orders to " frozen '' which means that they knew these orders should not have been placed, but did not reverse the charges just because the tracking had started. They are using the excuse of " shipment '' to claim money. ( documents attached ) I have also attached 2 of merchant communications to me stating that I should resolve this with my bank. I have spoken to the merchant multiple times via their messaging system, but I do not have records of that. Each agent I spoke with understood what was happening but did not have a path to escalate my issue for resolution, and advised I email them. I did, and both times they asked that I refer to my bank. 

I have also appended additional screenshots to this email to show that the XXXX charges were fraudulent. The seller and product that was purchased has been made unavailable. I also checked the product that was purchased and saw in the reviews section that others had experienced the exact same issue - someone using their card and placing multiple orders for themselves. 

As of today, XXXX, 5 of my 8 disputes have been denied and Citi is claiming " customer responsible '' which is completely unfair. It is clear that I did not authorize these charges on my credit card, and that my information was stolen. This means that 5 of the 8 disputes have had their conditional credits reversed, so the values are back on my account to be paid.

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 2021-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XX/XX/07 I received a facebook message from my XXXX XXXX who I have no contact with, that XXXX from Comenity bank his extension is XXXX. He left the message " Calling for my full name to get contact information for your attorney that will represent you for XXXX XXXX '' He disclosed my full debt information on her cell phone voicemail. I called Comenity bank and spoke to XXXX she states she removed all 3rd party numbers. and apologized for the previous rep disclosing my information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the XXXX XXXX Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2021-12-07 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: Navient Solutions, LLC.
State: IA

Complaint narrative:
According to the federal government, loan payments had been deferred and this showed on my ancient statement as well. I did not make a payment for a couple of months then was charged a late fee. I immediately payed ( XX/XX/XXXX2021 ) and tried to contact someone for clarification which sent me information on other payment options. An unauthorized payment was made from my bank account from Navi ent on XXXXXXXX XXXX,2021. When I called to question, they said it was made from my account, that I had mistakenly paid. I had not logged into my account since XXXX/XXXX/21 nor was I set up for autopay. I immediately deleted my bank account information to stop Navient from making more unauthorized payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
Genesis FS Card Services offered me to close my account for a payment of XXXX dollars and to lower my interest rate to 0.00 Apr once closed and to only charge 2 % minimum to keep as hardship program and to keep this from negative reporting they have taken the XXXX dollars to start the program but actually never sent me anything on the program. And I am at a point to sue. In small claims as this is not a large charge card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX bungled their process by stopping auto-pay during their pandemic assistance earlier this year. I filed a complaint with you already and you closed it without resolution. XXXX. XXXX sent a 14 page XXXX XXXX that did not address the complaint. They stopped autopay without my consent and provided no notification of any kind by telephone or email before cancelling my account, putting me in collections and reporting me as delinquent after nearly 40 years as a customer with a perfect record. It is an absolute embarrassment, and your agency accepted their answer without any follow up or discussion. The terms were not clear, phone agent had heavy foreign accent and we assumed everything was fine. Then they treated us like we were 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 2021-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX I received a text alert from Chase bank who I bank with. It read that there was a wire transfer and wanting to know if I authorized it. I said no and then Chase replied with they would call me to fix it. They called me right away and had all my account information. They said there was someone in XXXX using my bank card and making wire transfers. They stated I needed a new bank card and they would be fixing this but also noticed my husband is on the Account so they had to call him and talk to him as well. They did call him to take care of things on that end. After waiting several days for a new bank card we called the bank to find out what was taking so long. They had no record of any of this so then we knew something bad happened. My husband found in his junk mail emails where the people who claimed they were Chase transferred money from our account into a XXXX account and XXXX XXXX account. They created accounts in our names except they werent actually us. So it looks like we transferred money to each other except these werent accounts created by us. They ended up taking almost {$4000.00} from us and Chase will not help us at all. I am blaming Chase because obviously their security is very lacking. These people did such a good job acting like they were chase bank. They literally had all of our information and my husband nor I had to give them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I got approved for a refinance auto loan at USAA in the amount of approximately {$56000.00} at APR of 0.48 % however the loan was done in my old name even though I sent the document of my name change to USAA several weeks ago and they have not updated it. Now my loan may likely be canceled and I will not be able to receive the refinance loan even though the error was done at the institution. The car title and loan at the other institution is in my new name as all my other documents however USAA either refused to approve my name change or drop the ball and I am very disappointed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

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 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : 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 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to XXXX XXXX XXXX old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is 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 ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX CARD Date of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/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 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AR

Complaint narrative:
on XXXX XXXX issued My Investigation ResultXXXX stating that the bankruptcy reporting on my credit profile was being reported by XXXX XXXX XXXX ARKANSAS was verified as accurate. I have attached the documented stated from deputy clerk XXXX XXXX date on XXXX That the US Bankruptcy Court DOES NOT provide any information to the Credit Bureaus or any credit reporting agency. I have attached the documents that XXXX sent as well as the Documents from US BANKRUPTCY COURT. This is falsifying documents. I would like XXXX to remove this inaccurate information from my credit file IMMEDIATELY. XXXX is also reporting this very same information. They are so saying that US BANKRUPTCY COURT is reporting this. PLEASE REMOVE AND DELETE AS WELL. LexisNexis are also reporting the same. Please remove and delete

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
on XXXX XXXX issued My Investigation Results stating that the bankruptcy reporting on my credit profile was being reported by XXXX XXXX XXXX ARKANSAS was verified as accurate. I have attached the documented stated from deputy clerk XXXX XXXX date on XXXX That the US Bankruptcy Court DOES NOT provide any information to the Credit Bureaus or any credit reporting agency. I have attached the documents that XXXX sent as well as the Documents from US BANKRUPTCY COURT. This is falsifying documents. I would like XXXX to remove this inaccurate information from my credit file IMMEDIATELY. Experian is also reporting this very same information. They are so saying that US BANKRUPTCY COURT is reporting this. PLEASE REMOVE AND DELETE AS WELL. XXXX are also reporting the same. Please remove and delete

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 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was checking my credit report! Im very disappointed that you put all these negative information on my name! I have no idea where did you get it, I have never apply for any of these accounts. Im pretty sure that someone hacked my personal 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 non-monetary relief
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CAP ONE XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft CAPITAL ONE AUTO FIN Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX CAPITAL ONE BANK USA N A Account Number : XXXX This is not mine. 

17. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

19. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

20. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

21. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

22. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

23. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation