vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
on XX/XX/2023, I visited XXXX XXXX ( a grocer/vegetable store ) I was putting items in my cart including a bottle of XXXX oil in my cart. a lady, whom I later think is the manager, came up to be, took the bottle of oil from and cart and said " you should not have this in your cart I will keep it for you at the register '' and she took the bottle of oil from my cart.

I continued shopping, when she again came to me and said I broke a bottle of the oil to which I said no, no I did not. She said she saw me on the camera. I told her to show me the footage since I know I did not break any oil.

She then said one of her worker saw me. I said that's not true I did not break any oil.

I continued shopping, then went to check out at the cashier register. At the register I gave all the items in my cart to the cashier ( the manager was next to cashier ). the cashier cashed all the items including the bottle of oil which was for {$39.00}. ( see receipt # 1 ). She gave me all the items except for the oil. I asked her several times for the oil, the manager said I paid for the oil. I said where is the oil I paid for she refused to give it to me. I then paid again for a bottle of oil which was given to me.

I told her I did not break the oil and I will report it to my bank because she charged me for {$39.00} for a bottle of oil which was not given to me.

I reported this matter to capital one ( Claim XXXX # XXXX ) and disputed the XXXX on the receipt # XXXX. I requested that the vendor show proof/evidence, the camera footage showing that I broke the bottle of oil.

Capital one told me that they have investigated it and refused my claim for the refund {$39.00}.

Capital one further told me that I will have to show them evidence that I did not break the oil or that he Oil was not given to me.

Attached are the vendor document submitted to capital one and the email from capital refuting my claim.

Thank you for you serious investigation of this matter since in my opinion there was no investigation conducted by capital one. the vendor did not submit any evidence to substantiate her claim, yet capital one sided with the vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry 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 2024-05-21 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: AZ

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: AZ

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts.

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 2024-05-21 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Three years ago, I joined the group to try to get student loan forgiveness. I was told not to make any payments as the loan would be forgiven since I had attended XXXX XXXX XXXX. This year my loans were bought by XXXX to continue the process of loan forgiveness. XXXX suddenly started reported my account as delinquent, even though I had been told not to pay AND they no longer had the loan. XXXX says there is nothing they can do, and XXXX says the loans will be forgiven, it just takes time. The inaccurate reporting on my credit is causing problems and I just want it resolved and removed in a timely manner.

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 2024-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/year>, regarding the inaccurate negative accounts on my credit report. Despite my repeated attempts to resolve this issue, these erroneous entries persist, reflecting poorly on your organization 's credibility and violating my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).

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 2024-05-21 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
****** This is not a duplicate complaint***** This issue was never addressed by EQUIFAX****** Please be advised this complaint is not regarding a dispute of inaccurate information, it simply is for Equifax violating 15 U.S. Code 1681 ( a ) ( 2 ) by not being able to provide written instructions from myself to share my personal information with a third party. Equifax should not be able to avoid this issue or statue under the Fair Credit Reporting Act and must be held accountable since it's been over 3 months since my initial request for written instructions in accordance with 15 USC Code 1681 ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: YSA ARM LLC DBA Oxygen XL
State: NJ

Complaint narrative:
I am writing to formally dispute the inaccurate information reported on my credit report by Oxygen XL, based on data from XXXX XXXX XXXX XXXX XXXX 

Oxygen XL has reported a balance of {$5400.00} on my credit report, claiming this amount is due to " missed rent '' and " damages. '' This information is fraudulent. I was not living at the apartment during the dates for which the rent was allegedly missed, and there were no damages when I vacated the property.

I followed the instructions provided by the office manager, which were to submit a 30-day notice. I complied with this requirement, submitted my notice, and vacated the apartment accordingly.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
Last year during XXXX XXXX XXXX XXXX XXXX  '' challenge, one in which hackers from all over the world target innocent civilians to create " better '' technology, my identity was stolen and an Apple Card was issued in my name, under different contact information.

Apparently this is a joint venture between Goldman Sachs and Apple, an experimental type of credit system. I received statements in the mail and attempted to contact them about this situation. However, because I could not provide them with an account number, they were unwilling to assist.

This is a blatant attempt at forcing someone into using their product and services. Now, I am stuck with the painful task of cleaning up the mess that Apple and Goldman Sachs created in my name, during some event I never signed up for.

This is a prime example of how these type of business SHOULD NOT operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX of XXXX, I contacted XXXX, Transunion and XXXX, contesting the inclusion of an erroneous bankruptcy on my credit report. I was asking the agencies the method of their investigation. I received no response. According to 15 USC 1681a- ( e ) " mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information.

According to 15 USC 1681 ( a ) ( 4 ), " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMER 'S RIGHT TO PRIVACY. '' This also is an infringement upon my right to privacy. Also, according to 15 U.S. Code 1681b ( a ) ( 2 ) -Permissible purposes of consumer reports " In accordance with the written instructions of the consumer to whom it relates. '' I have not given any written instructions to put any such information 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 non-monetary relief
Consumer complaint received 2024-05-21 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: PA

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX I contacted XXXX, XXXX and Equifax, contesting the inclusion of an erroneous bankruptcy on my credit report. I was asking the agencies the method of their investigation. I received no response. According to 15 USC 1681a- ( e ) " mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information.

According to 15 USC 1681 ( a ) ( 4 ), " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMER 'S RIGHT TO PRIVACY. '' This also is an infringement upon my right to privacy. Also, according to 15 U.S. Code 1681b ( a ) ( 2 ) -Permissible purposes of consumer reports " In accordance with the written instructions of the consumer to whom it relates. '' I have not given any written instructions to put any such information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: KEYCORP
State: OH

Complaint narrative:
Back in XXXXXXXX XXXX XXXX I thought I was doing business with a person online until they started to send me checks through the mail at first all was fine and then they sent me a very large check and tried to reverse the charges but I was not stupid and did not use my own personal account for this person 's check. I open an account with Key Bank and that is how we found out the person is a scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Im attaching all the documents to help you understand that on Saturday XX/XX/XXXX I was drugged and my phone got stolen. All my accounts have been compromised which is why the thieves had access to my accounts and changed the pw. ALL XXXX transactions to XXXX on XX/XX/year> were not made by ME ( including the ones XXXX to XXXX on XX/XX/year> ). I had to do the same thing for XXXX XXXX since these bank accounts were correlated. That is why you see the XXXX  to XXXX on XX/XX/year>. They were trying to wipe out my account completely. 

Look at those times stamps in the documents when I went missing and when all the activity was taking place. Why would I do those transactions myself at those hours in the morning? And everything at once!

I had no way of getting access to my phone since they changed everything. Until I got back in the states and bought a new phone, getting my old phone number back. Thats when I was able to see all the texts the thieves used to verify the transactions. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-21 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
On XX/XX/2024, I had called Money Lion and alerted them of an attempt to debit my account for a certain amount that I wasn't recognized. They assured me that the transaction wouldn't go through on XX/XX/XXXX the account was debited and then on XX/XX/XXXX there was only {$36.00}. I had to transfer to another account now they are telling me I have to wait 90 days to get my money back too long of a time to get credited after I tried to for-warn them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
In response to claim number XXXX where employees at Toyota Financial Services responded . The employees who responded has no first hand knowledge of who signed what contract simply because they were not present. They would would have to be put under penalty of perjury if they are stating that they were present at the dealership, otherwise I have the recording and evidence which proves that such contracts are in fact unconscionable. Employees at XXXX XXXX did not provide full disclosure of how they got paid off of my investments and that they were advertising that they provide loans. Furthermore, they did not advertise that they are converting real Men and Women into property by using a XXXX XXXX XXXXXXXX XXXX XXXX Language which is not English. They are telling customers that the contracts do not exist just by the language they use and therefore a customer who knows how to read can only agree that such contracts written in this foreign language is fraudulent from its inception. They are willfully deceiving shareholders. Employees went a step further to say that legally they do not have to validate the debt when legal is the undoing of Law and by operation of law they are required to validate all debts where a company employee has made claim they a debt is owed. The only time employees at Toyota Financial Services would not have to validate the debt is if the debt was already paid pursuant to 12 code of federal regulations 1006.34 section ( 2 ) Exemption. New money are created from signatures and signatures means that funds are either issued to customers who are shareholders by operation of law, or that debts are discharged according to the Uniform Commercial Codes. Employees can not validate the debt because their are no debts owed to Toyota Financial Services who actually the debtor and the proof is in the language. They sent out another contract thats not written in English. Please note they an employee made claim that the contract is written in English when the styles manual proves that its not English.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
I had two collection accounts with XXXX for old rental landlord debt. I did a settlement with this company on both debts back about a year ago. Part of the settlement which they received in lump sum was after payment they agreed to pay to delete from my credit report. 

I did my part per terms and they haven't deleted both line items. Instead they are listed on my credit report as closed. They violated the agreement that I have in writing. 

I am writing to the CFPB to get this dispute in front of them so they can take action and delete from my credit reports. Failure to do so will result in further action per CFPB guidelines. 

I paid you guys so please follow through with the promise I received verbally and in writing

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 2024-05-21 00:00:00
Product: Credit reporting 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Myself and a lender have attempted to pull my Equifax credit report and score from Equifax. We both received a response that my score was unavailable. I paid for my MyFico and it stated I did not have a credit profile or I am deceased. Shortly after I paid {$9.00} from Equifax for my score and it came back unavailable but was charged the {$9.00}. I called a representative and he stated that he could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: IA

Complaint narrative:
I sent a dispute letter to XXXX, Trans Union, and XXXX in about XXXX or XXXX of XXXX, disputing accounts that are not mine, yet they verified them as belonging to me. This is stressing me out. Please help me with this.

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