vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-13 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On or about XX/XX/2022 several fraudulent charges appeared on my credit card ledger. These charges occurred in a city XXXX miles away despite the card being in my possession, and thus were reported as fraud using Citibank 's online banking system. Also, a new credit card with a new account number was ordered. The following week, ( on XX/XX/XXXX, XXXX, and XXXX ), XXXX new fraudulent charges appeared on my credit card ledger in and around the city in which I live, ( despite having not yet received my replacement card, and my previous card being cancelled ). I immediately flagged these charges as fraud, ordered a second replacement card, and locked my account using Citibank 's online banking system. I then reached out to Citibank directly using their online message window. The representative suggested that these charges " may have been pending at the time you initially reported your credit card information was compromised. '' A few weeks later, ( and I still have not received a replacement card btw ), Citibank calls me for a brief interview in which they ask me a series of boilerplate, yet condescending, questions such as " Do you know the person who made these purchases? ", and " Did you benefit in any way from these transactions? '' A few more weeks go by and I received a letter from Citibank stating that the charges in question were made using the chip in my credit card, and because " You had the card in your possession at all times '', they " do not consider them to be fraudulent. '' After receiving this letter I have made several attempts to appeal their decision, but have been completely ignored, so at this point I am filling a police report, closing my Citibank account, hiring a lawyer, and reporting their incompetence to you in the hopes that their fraud department can be compelled to do their job. I have also sent a letter ( see attached ) via certified mail directly to Citibank 's Security Services Department. The unresolved fraudulent charges are as follows : XX/XX/2022 XXXX XXXX # XXXX XXXX CA {$140.00} XX/XX/2022 XXXX XXXX XXXX XXXX CA {$130.00} XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX CA {$45.00} XX/XX/2022 XXXX XXXX XXXX CA {$15.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX CA {$2.00} XX/XX/2022 XXXX # XXXX XXXX XXXX CA {$470.00} XX/XX/2022 XXXX - XXXX XXXX CA {$350.00} XX/XX/2022 XXXX - XXXX XXXX CA {$160.00} XX/XX/2022 XXXX XXXXXXXX XXXX XXXX CA {$53.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX CA {$9.00} XX/XX/2022 XXXX XXXX XXXX CA {$3.00}

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 2022-10-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor, XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end cosumer credit as late for ANY purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Siggi LLC
State: OK

Complaint narrative:
I got a loan from Omni Financial in XX/XX/XXXX and was told I had to do an allotment and they would notify my commander if the allotments were stopped and I got a second loan from them in XX/XX/XXXX and the same exact thing they walked me through doing the allotment on their computers. I was told there was a lawsuit because of this and to file a complaint here. 
They told me I had to do an allotment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
MOHELA in late XXXX and was told my loan payments made over the time of Covid dating back to around XX/XX/XXXX or XX/XX/XXXX of 2020, would be refunded within 45 days as per my request. I have yet to receive any of the money back despite having contact them several times by both email and phone. It is imperative that they return the money back to me because as it stands, I am in desperate need that money. They do not have the right to hold the money any longer, and it frustrates me beyond words to know that theres still holding onto it, not making any effort to pay it back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
THIS ACCOUNT SHOULD BE SHOWN CLOSED PAID AS AGREED BMW ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THIS ACCOUNT IS BEING REPORTED WITH A BALANCE THAT IS NOT CORRECT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: PA

Complaint narrative:
Hello. This is a response to a listing on my credit report. Please be advised that L J Ross Associates, Inc has reported invalid information to the credit bureaus ( XXXX, XXXX, and XXXX ). This may constitute fraud under both federal and state law. Also, a violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and placed an account on my credit file ( for collection ). Account number # XXXX. This account was successfully disputed and reported to be fraudulent ( please refer to FTC report number # XXXX ). XXXX tried to place this account again ( for collection ) with XXXX XXXX XXXX in XXXX. And again, this year ( XXXX ) with L J ROSS ASSOCIATES , INC . I am prepared to take legal action if this information is not removed from my credit files. Please assist. Thank you.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Notice was sent to TD AUTO finance for debt collecting in which all call were to cease and desist until debt was verified, which is currently not verified competently. from the dates of XX/XX/22 - XX/XX/22 TD AUTO made repeated calls in access of over 65 times that were documented

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: LOBEL FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a car loan with a financer in XXXX. Now I live in XXXX XXXX and my vehicle is registered and insured in XXXX I want to refinance my loan because the interest is very high ( 21.99 % ), one of the requirements is the original title of the car since XXXX XXXX  is a state without a title and the title holding state law protects me, any procedure is required of the same, I have repeatedly requested the title of the car from this finance company in order to refinance it with another entity, but the finance company refuses to give me the title or to refinance the debt and argues that the contract was signed in XXXX and therefore they can not give me the title until the debt is paid, but I can no longer pay these high payments on my loan. They have not sent us a copy of the contract either because everything was online through the dealer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor, XXXX XXXX, account number : XXXX has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 a section XXXX also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end cosumer credit as late for ANY purpose.

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 2022-10-13 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: LEXISNEXIS
State: MO

Complaint narrative:
LexisNexis has furnished my public information to consumer reporting agencies without my written permission. It violates consumer law under 15 U.S. Code 1681b - Permissible purposes of consumer reports in addition to violating my right to privacy. They are not only liable for a civil liability but, also damages I have sustained due to their negligence. Courts do not furnish public information to Consumer Agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: MI

Complaint narrative:
I have disputed accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they all say they have missed payments but also have Finance charges connected to them. according to 15 U.S code 1605 ( a ) a finance charge is the sum of all charges so I can't be penalized for something paid in full. Also 15 the U.S code 1681 a ( 2 ) ( A ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also under 15 U.S. Code 1681b ( A ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2022-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: CT

Complaint narrative:
I paid my boyfriends daughter cell phone for him via cash app for him. He transferred the money to me via cash app. I went online to pay the bill on XX/XX/XXXX. I went to make a purchase on XX/XX/XXXX and it was declined I went and looked on my phone and the company XXXX XXXX XXXX XXXX had taken a payment off my card. I then called them to tell them I didnt authorize them to take the payment and they were able to remove my card but not refund me because I couldnt verify the account. The rep at XXXX XXXX told me to dispute with my bank I filed a dispute on XX/XX/XXXX with cash app and received a decline to my dispute on XX/XX/XXXX. I called cash app to block the merchant from using my card and due yo them declining my dispute Im out of money for something I did not authorize. Cash app just flat out declined my dispute which means that anyone can add your card to their autopay without your consent and you will be out of your money! Isnt this some type of fraud or illegal activity?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor, XXXX XXXX, account number : XXXX has violated my rights under XXXX XXXX XXXX section XXXX states i have the right to privacy. XXXX XXXX XXXX section XXXX a section XXXX also states a consumer reporting agency can not furnish an account without my written instructions. Under XXXX XXXX a creditor XXXX not treat a payment on a credit card account under an open end cosumer credit as late for ANY purpose.

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 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end cosumer credit as late for ANY purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 ; SEC 602 states that I have the right to privacy. 15 USC 1681 SEC 604A SEC 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This statement is in regards to the account below - Capital One Reported dates of XXXX, XXXX, XXXX & XXXX XXXX XXXX 
Status of the account shows " current, was past due 60 days. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Id theft victim These accounts are not mine XXXX XXXX  balance {$21000.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX balance {$620.00} acc number XXXX ( i have my own card ) XXXX ( authorized user ) Not my account XXXX XXXX balance {$3800.00} ( i Have never paid late ) XXXX XXXX Never paid late DEPT OF EDXXXX XXXX This is in deferment till 2024 Never paid late DEPT OF EDXXXX {$37000.00} this account is in deferment till XXXX never paid late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: CA

Complaint narrative:
THIS ACCOUNT SHOULD BE SHOWN CLOSED PAID AS AGREED XXXX XXXX XXXX XXXX  WITH A BALANCE XXXX XXXX THIS ACCOUNT IS BEING REPORTED WITH A BALANCE THAT IS NOT CORRECT

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 2022-10-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
THIS ACCOUNT SHOULD BE SHOWN CLOSED PAID AS AGREED XXXX XXXX XXXX XXXX WITH A BALANCE XXXX XXXX THIS ACCOUNT IS BEING REPORTED WITH A BALANCE THAT IS NOT CORRECT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THIS ACCOUNT SHOULD BE SHOWN CLOSED PAID AS AGREED XXXX XXXX XXXX XXXX WITH A BALANCE XXXX XXXX THIS ACCOUNT IS BEING REPORTED WITH A BALANCE THAT IS NOT CORRECT

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 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Since XXXX of 2020 bjs has not been reporting my payments that have been made. This creditor has been paid in full and its not showing. Which affects my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 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: GA

Complaint narrative:
I have reach out, mailed, called FED-retail along with the Credit bureaus XXXX XXXX XXXX Trans Union XXXX to remove all late payment. As I was never late on a payment. Nor did I give them permission to share any of this information with anyone! They are in direct violation of the credit laws listed below. 

15 US CODE 1681 ( a ) ( 4 ) Consumers right to privacy. I did not give you permission to post anything about my personal financial information for the whole world to see.

15 US CODE 6802 ( b ) 1 ( a ) b ( c ) Obligations with respect to personal information. By law you are to disclose that you will be sharing my personal information. You did not disclose the fact to me whether written or otherwise that you were going to report my personal information. This is a MAJOR violation of my consumer rights. 
15US CODE 1681a My consumer report should not include transactions between the consumer and the person making the report Your report is clearly showing transaction between myself and the persons the fact that you are reporting accounts with and late payments and balances etc clearly shows you are in violation of this law. 
15 U.S CODE 1681b I am the original creditor and as such being born a natrual person I am the only oXXXX who has the right to extend credit. Therefore the use of any information to extend credit to me without permission is a blatant violation 15 US CODE 1666b. -Timing of payments : Nowhere in the TILA, FCRA , FDCPA does it mention a late payment, but you are posting late payments to my credit report. You are being very inaccurate and devious. You are breaking FCRA laws.

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 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The information XXXX XXXX XXXX of {$5500.00} from XXXX XXXX XXXXXXXX XXXX XXXX is incorrect and should be deleted from my credit report. This matter has been resolved in court. Please see attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal said that my account was on hold for XXXX days due to suspicious activity but PayPal has no evidence to show or any proof and now i thought that i will get my money back after XXXX days but suddenly they already get my money without permission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Someone is putting their shipping address for purposes of using my store credit card for their own purposes. They are shopping on my credit card. I continue to delete their address and I got back the following day and check my account again and they put their address in their again. I contacted my store credit card companies and they reissued me a different credit card. However, they continue to do this. I don't have any resolve and I don't want to totally cancelling these store 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