vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-13 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:
In XXXX I went to XXXX with my XXXX XXXX troop. We arrived on XX/XX/XXXX and left on XXXX on XXXX. On XX/XX/XXXX my troop was on a tour of the island. The tour guide told us to leave our bags on van since there was a high rate of theft on the beach we would be swimming with turtles. This was the only time my bag was not in my possesion. I believe during this time a couple of my XXXX  XXXX XXXX XXXX, my debit card and my Home Depot card were copied by the tour guide. After I got back home I saw charges on my XXXX XXXX XXXX  XXXX  and bank card ( these have been reversed by those institutions ) and then, in XXXX, I received a bill showing that someone had used my Home Depot card to purchase {$5700.00} in merchandise, mainly generators and electrical eqiopment, it also showed a credit for these charges. The P.O. has a name of a person not on my account. I do not own any property on XXXX nor did I give anyone permission to use my account. I called Home Depot and was told their system was down and that I could not make a report at that time. The next week I received a new card and since the statement had shown a credit on my account against the charges I thoght the fraud had been caught and corrected. Later, in XXXX, I received a call from a business in XXXX letting me know that their business account had been used to pay the fraudulant charges. During that conversation the employee there and I discussed a number of fraudulant transactions that had occurred to both of us during that time period. she shared that hotel rooms had been paid for with their business account under the name of the tour guide from my island tour. After speaking with that business I made a report with XXXX P.D. who told me I would have to speak to my local P.D. since the thefts occurred after I left the state. 

I attempted toto make a report to Home Depot/Citibank but their online reporting system asks you to check the transaction that was fraudulant. Since the items showed thay were paid for 2 days later it would not let me make a fraud report on them. I had to choose the removal of the payment. all of the above information was included on that report. On XX/XX/XXXX I received a letter telling me that I had not proved fraud, and that I am responsible for all the charges on my account including late fees.

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 2023-11-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I noticed a credit inquiry from bank of America on my credit report dated XX/XX/23, which I did not authorize. There is an initial fraud alert on 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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It caus on my credit report that I have XXXX or may have had XXXX. And I was treated for XXXX and the XXXX XXXX and I think that for one I dont want that info on my credit reports and for 3 how did they get that info and 3 it could have stopped me from getting XXXX in the past.i have a dream about opening a salon and what if I could have had that if I was approved all those times I tried to get a loan when my credit was XXXX I was still getting denied for stuff and still getting High interest rates and what if the reason was because of my XXXX I have been dealing with since I was XXXX? I think its wrong to have information like that on the web I had no idea all these treats its on my experian account

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 2023-11-13 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: Nelnet, Inc.
State: FL

Complaint narrative:
According to FCRA and US Codes, Congress passed a law with FCRA, allowing permanent removal of any collection older than 2 years, and affecting your credit score. This includes student loans, late payments, credit cards, and so on. My student loan ( s ) were placed on my credit profile without my consent, and a violation of privacy rights. In truth, it has affected me in numerous ways with extra deposits, higher interests, and additional costs. Enduring these results has taken a great impact on living expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
My debit card was stolen and fraudulently used to withdraw money from my account. The Fraud Alert sent by Chase was responded to and a follow-up claim was filed. The " investigation '' that occurred did not include any interaction or questioning with me and the determination is vague and removes all responsibility from Chase while making gregariously inaccurate claims against my character and what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have been trying to get XXXX XXXX XXXX to correct the principal balance for several weeks. The servicing was transferred in XX/XX/2024 and the principal balance was updated on XX/XX/XXXX to reflect a {$300000.00} principal payment. 

As of today/s date, the principal balance still reflects {$30000.00} too much. 

I did file a dispute with the credit agencies, but because I have had so much trouble with this servicer, I feel there will be no resolution. 

This has been a nightmare from day one for us, I just want the credit balance correct. This affects our debt-to-income ratio. 

Please assist with this issue and have it resolved in a timely fashion. 

I have all kinds of supporting documentation if needed. 

Warm regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
I recently received a debt collection notice from CBE group, ( XXXX XXXX XXXX, XXXX XXXX, IA XXXX ) regarding a debt with XXXX aka : XXXX XXXX, for the amount of {$2100.00} and regarded an account number : XXXX and a CS Number : XXXX, Reference number : XXXX. I've never had a XXXX account. I wrote to dispute the debt to no avail. I then called and spoke with one of the representatives at CBE group. During the course of that call it soon transpired that I must have been the victim of identity theft because of the address of the account in question was certainly not mine but the thing was that whoever perpetrated this gained access to my social security number. I've filled alerts with all the appropriate agencies but was advised to file one here as well to help remove this debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have received the second reporting, which Experian tried to fix. They removed my husband name, XXXX, from the list without explaining the reason. I found the incorrect cell phone number, which is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 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: MS

Complaint narrative:
Company in question : CONTACT INFO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX After reviewing my three credit reports from XXXX, XXXX, and Transunion I noticed that 3 or more late payments are being reported from XXXX the company I have an open credit card account with. This company in question is unlawfully reporting this information pursuant to the FCRA 15 USC 1681a. ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; furthermore the late payments in question are indeed considered a transaction and thus should not to be included in my consumer report ; even further pursuant to 15 USC 1666b. ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In reference to the above, the company missionlane have failed to provide the documents required in 15 USC 1637 ( b ) as it is written. In order for any of the above mentioned Consumer Reporting Agencies to have furnished any report on the account in question from the company in question the conditions set forth in 15 USC 1637b must have been met and it is my chief complaint that this is Not the case in this matter. XXXX has failed to this respect and violated my rights under the laws described in this complaint.

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 2023-11-14 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: MS

Complaint narrative:
Company in question : CONTACT INFO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX After reviewing my three credit reports from XXXX, Equifax, and XXXX I noticed that 3 or more late payments are being reported from XXXX the company I have an open credit card account with. This company in question is unlawfully reporting this information pursuant to the FCRA 15 USC 1681a. ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; furthermore the late payments in question are indeed considered a transaction and thus should not to be included in my consumer report ; even further pursuant to 15 USC 1666b. ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In reference to the above, the company missionlane have failed to provide the documents required in 15 USC 1637 ( b ) as it is written. In order for any of the above mentioned Consumer Reporting Agencies to have furnished any report on the account in question from the company in question the conditions set forth in 15 USC 1637b must have been met and it is my chief complaint that this is Not the case in this matter. XXXX has failed to this respect and violated my rights under the laws described in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 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: MS

Complaint narrative:
Company in question : CONTACT INFO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX After reviewing my three credit reports from Experian, XXXX, and XXXX I noticed that 3 or more late payments are being reported from XXXX the company I have an open credit card account with. This company in question is unlawfully reporting this information pursuant to the FCRA 15 USC 1681a. ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; furthermore the late payments in question are indeed considered a transaction and thus should not to be included in my consumer report ; even further pursuant to 15 USC 1666b. ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In reference to the above, the company missionlane have failed to provide the documents required in 15 USC 1637 ( b ) as it is written. In order for any of the above mentioned Consumer Reporting Agencies to have furnished any report on the account in question from the company in question the conditions set forth in 15 USC 1637b must have been met and it is my chief complaint that this is Not the case in this matter. Missionlane has failed to this respect and violated my rights under the laws described in this complaint.

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 2023-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On or around XX/XX/2023 I purchased two items from XXXX. When I realized I ordered the wrong items I contacted XXXX the next day. They contacted me several days later to tell me I can not cancel. So I contacted Citi bank to dispute the charge of {$62.00}. 

Citibank refuse to authorize the dispute. I did authorize the charge but I have the right to cancel. I want my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-13 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: OH

Complaint narrative:
In Acordance with the Fair credit reporting ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violanted my Rights. 

.15 USC 1681 SEC 602 A State I have the rights to privacy. 
.15 USC 1681 SEC 604 A SEC 2 Its Also state a consumer reporting Agency can not furnish a Account without my written instructions.

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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have had the same two credit cards, have banked at XXXX XXXX XXXX for thirty-seven years, have had no hard inquires, have always paid my bills on time ( except for a bill that got lost in the mail over twenty years ago ), and out of the blue TransUnion lowered my fico score twenty-four points. I called them several times, and they hung upon my three times. I filed a complaint with CFPB ID XXXX. Their response was gibberish. The resolution I sought was that TransUnion raise my fico score back to XXXX. They never addressed that, and claimed I requested that they cancel the investigation. I never did.

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 2023-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: ENOVA INTERNATIONAL, INC.
State: MS

Complaint narrative:
On XX/XX/XXXX, I applied to Cashnet USA for a loan after they solicited me through the mail. The loan was approved for XXXX and was deposited to my bank account on XX/XX/2023. The payment schedule is for XXXX beginning XX/XX/2023. 
This schedule was available for my viewing after I signed the contract. Once I noticed the first payment due date, I called and spoke to a representative to say the loan was only received into my bank account of XX/XX/2023 and that XXXX payment should not be for that amount because it would not have been for a full month and that it would have been only twelve ( 12 days ) in the month. The representative did change the date from XX/XX/2023 to XX/XX/2023. On XX/XX/2023 I checked my bank account and they had submitted two ( 2 ) separate debits for XXXX each which caused my account to be overdrawn. I assumed when the representative said she would be changing the due date, it would be only one ( 1 ) withdrawal for that amount. I called them on XX/XX/2023 to complain about the double dipping and didn't get any solution. The rep stated that I should have read the schedule which I did and called them right after I saw the initial schedule. I asked her how could they charge me for an entire month for XXXX the same as all other months but she kept giving me excuses one of which they extended the date and I tried to tell her the representative did not explain there would be two payments coming out on XX/XX/XXXX. I would like to get help with that XXXX payment and have that money refunded and this is why I writing to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are unauthorized accounts in my credit profile. I am no human there is no 3rd party involved. I have reported to CFPB, XXXX, and Texas Attorney General about his manner. I need it removed as soon as possible. I have attached provided documents.

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 2023-11-13 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: Chime Financial Inc
State: CT

Complaint narrative:
I was wrongly billed XXXX by the XXXX XXXXI sent them a dispute via XXXX support and they sent an email stating they double charged me and apologized and offered me a refund XXXXXXXX. I never received the funds I filed a dispute with Chime. Chime denied the dispute and left the charges as is. I then sent Chime the email that the XXXX sent me stating they would issue the refund of XXXX and the dispute was reopened. The day after Chime received the verification of the intention of XXXX to refund me they closed the dispute again and failed to do their due diligence investigating the matter. I have given them numerous calls to review this issue with no funds refunded to me by the XXXX or Chime.

Company response to consumer: Closed with explanation