vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Totally misleading email implying that there are savings for a limited time only by using a gift card when all they are actually doing is allowing you to use your already earned points at purchase rather than redeeming later for the exact same benefit. 

This is not limited time but always available. 

The cost has not been reduced unless your awards points are reduced. 

Total bait and switch scam as most people would look at email content rather than subject line and expect a gift card to be precisely that and not something they were purchasing for a cost equal to the benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: FL

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  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 explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
I am writing to formally lodge a complaint and dispute against a company named XXXX XXXX XXXX regarding a collection account that has been improperly reported on my credit report. This company has violated my consumer rights under several key provisions of federal law, as outlined below : 1. Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Failure to Provide Validation Information XXXX XXXX XXXX has placed a collection on my consumer report without providing the required validation information, as mandated under 12 CFR 1006.34 ( b ) ( 5 ). They have failed to offer any validation of the debt before reporting it to the consumer reporting agencies.

2. Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : No Opportunity to Dispute I have not been given the opportunity to dispute the account before it was reported to the consumer reporting agencies, which is a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This action has deprived me of my legal right to challenge the validity of the debt before it negatively impacted my credit.

3. Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) : Unauthorized Reporting to Consumer Reporting Agencies Online Information Services has furnished information to consumer reporting agencies without providing the necessary disclosures required by law. This is in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ), which stipulates that such reporting is unlawful without full compliance with all legal disclosure requirements. The company has also engaged in false, misleading, and deceptive practices by misrepresenting the nature of this debt.

4. Reappearance of a Previously Deleted Debt This particular debt was previously reported by another collection agency, which was then removed from my credit report because the debt was paid to the original creditor, XXXX XXXX. The debt has since been resold and reappeared on my credit report under XXXX XXXX XXXX, which is an unfair practice and further violates my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: CA

Complaint narrative:
In accoraance WiItn tne Fair Crealr Reporting acr. The List or accounts berow nas viorarea my reaerally prorectea consumer rignts o privacy and confidentiality under 15 USC 1681. 


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 violated my rights. 


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 non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Marcus by Goldman Sachs regarding my CD account, which has been locked for over two months without a resolution. Despite multiple attempts to resolve this matter directly with Marcus, their responses have been inadequate, and my account remains inaccessible. Below is a detailed account of the situation : Account Lock Notification : On XX/XX/year>, I received an email from Marcus stating that my account was temporarily locked and that action was required on my part.

Initial Contact : I called Marcus customer service on XX/XX/year>, to resolve the issue. They informed me that my account could be unlocked by verifying my identity over the phone. However, they claimed there was a problem with my phone number, which prevented verification. Marcus refused to provide details about the problem due to " security concerns. '' Alternative Verification Attempts : Marcus suggested that a relative with the same last name could verify my identity on the phone. I added my brother to the call, but Marcus then changed their requirement, stating that the relative needed to be physically present with me. This was not possible as my brother and I live in different areas.

Promises of Call Back : Marcus promised to call me back within seven days to provide an alternative verification method, but I never received a call. I had to initiate follow-ups, constantly calling them, only to be met with vague and unclear responses. Different people answered the phone, and they kept passing the responsibility around. 

Physical Mail Verification : Eventually, Marcus suggested verifying my identity through a physical mail sent to my address. I waited more than seven days but received no mail. I asked them to send the mail to my previous summer address as a test, but I still did not receive it. Since XXXX, despite following up every 5 to 10 days ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), Marcus has continually promised to send the mail, but I have never received it. 

Most Recent Communication : On XX/XX/year>, I called Marcus again. They claimed they would attempt to send the mail back to my original address. To date, I still have not received the verification mail. It is important to note that I did receive a CD statement from Marcus at the same address, indicating NO ISSUE with my mailing address. 

I am highly concerned about the handling of this matter and doubt that Marcus is fulfilling its promises. My account has been locked for over two months, causing significant financial hardship to my family and severe XXXX XXXX to me. I believe Marcus 's failure to provide a clear and effective resolution is unacceptable and possibly negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year>1924 It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

Thank you for your prompt attention to this matter

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 2024-09-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credict reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidenciallity under 15 USC 1681. The accounts bellow have violated my rights.

15 USC 1681 section 602A, States I have the right to Privacy.

15 USC 1681 Section 604A section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681C ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containning 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 USC 1681s-2 ( A ) ( a ) 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 -CBC/ XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX EXperian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
In XXXX of 2024i permanently opted out of promotional credit screening with the three credit bureau ( XXXX, Equifax and XXXX and all three credit bureaus are still doing soft inquiries into my credit without my permission after I opted out. 
XXXX XXXX I opted out from them a year ago and they are doing up to XXXX credit check per month. 

I called today and all three credit bureau their representative stated it says I am opt out. I asked them then why are the credit bureaus still checking my credits. XXXX is also doing soft check on my credit. 


Why arent these companies not following the guidelines set by CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In XXXX of 2024i permanently opted out of promotional credit screening with the three credit bureau ( XXXX, XXXX and Experian and all three credit bureaus are still doing soft inquiries into my credit without my permission after I opted out. 
XXXX XXXX I opted out from them a year ago and they are doing up to XXXX credit check per month. 

I called today and all three credit bureau their representative stated it says I am opt out. I asked them then why are the credit bureaus still checking my credits. XXXX is also doing soft check on my credit. 


Why arent these companies not following the guidelines set by CFPB

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 2024-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
CITI 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 2024-09-04 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: FL

Complaint narrative:
I uploaded several documents along with the FTC report. I also uploaded a bankruptcy letter from the apartment, and the courts at the county that the bankruptcy came from. I also uploaded inquiries that shouldve been removed that was fraudulent that was never removed as well as a lot of the accounts have the wrong dates and amounts on them.

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 2024-09-04 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: DISCOVER BANK
State: TX

Complaint narrative:
DISCOVER must acknowledge that the debt being reported on my consumer report is not only inaccurate but also fundamentally flawed in its premise. The alleged obligation reflects a misunderstanding of the underlying relationship and the nature of the account. As the agent acting on behalf of the principal, I hold a legitimate interest in the application, which serves as the original collateral securing the account. This account ending in XXXX was established based on my authenticated application, making it clear that I can not owe a debt on an account created through my own credit investment. Instead, I am owed consideration for the principal 's interest, which exists within the account. 
It is essential to recognize that I, XXXX XXXX XXXXacting as agent for the principalam entitled to subrogation rights for choosing to allocate my credit to DISCOVER over its competitors. Rather than breaching trust, obscuring the true intent of the agreement, and issuing deceptive billing statements for the sake of unjust enrichment, DISCOVER should act with transparency and honesty. This transparency is critical to allowing consumers to make informed decisions about their financial engagements. 
In essence, DISCOVER has been profiting twicefirst from the consumer 's credit and then from their ignorance of the true nature of the transaction. This practice is not only a breach of trust but also a clear case of unjust enrichment. Congress enacted the " Holder in Due Course Rule '' ( 12 CFR 433.2 ) to protect consumers from precisely this kind of exploitation, ensuring that financial institutions can not separate their profit motives from their obligation to act in good faith. DISCOVER has a duty to repair all damages caused by their willfully and knowingly intent to take what truly did NOT lawfully belong to them. To take something from a customer that he or she had no knowledge of owning is still theft. The agreement is in fine print and very lengthy for this purpose. Obligations of the United States are being settled as agreed, the shame is most of the American people are not aware of it. DISCOVER 's use of my credit as collateral effectively grants them a usufruct, allowing them to benefit from my assets while I, as the rightful owner, should retain the underlying rights and interests associated with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America had failed to fulfill its promise of the XXXX dollar bonus for XXXX direct deposit. I had fulfilled requirements on XX/XX/XXXX but over XXXX  days later no bonus yet. Other customers had bonus post within as little as XXXX  days or less.

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 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/2024 It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my XXXX XXXX. 
Additionally, the statute of limitations for reporting a charge-off is XXXX years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( XXXX ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 

Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Prior cfpb complaint number XXXX .. Related to today 's complaint i have been trying to obtain my free annual credit report and have been unable to do so thanks to experience i have called and sent multiple letters and did about two cfp be complaints to try a fix the problem their last investigation which I mentioned above they replied about Inquires etc, which indeed was not what my complaint was for. My complaint was to address the lack of response on experian and trying to fix this issue with obtaining my credit report. Let it be noted on the record that I have made two cfpb complaints before Filling a small claims lawsuit. Experian Willful non Compliance is hurting my financial well being

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 2024-09-04 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: GA

Complaint narrative:
dear XXXX this is a self-attestation that I am victim of XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX. These fraudulent accounts consist of a an auto loan 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 XXXXXXXX XXXX XXXX. XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX. XXXX, XXXX  XXXX bank 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 explanation