vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Company : XXXX XXXX XXXX Open Date : XXXX, Amount : {$7500.00} Account XXXX I am requesting the 1099 form from the original creditor ( XXXX XXXX XXXX XXXX XXXX and from XXXX XXXX XXXX XXXX I requesting the Original Consumer Contract with my signature on it. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Section 611 ( 5 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone could fax, mail, or email in fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) and a copy of the 1099 form from the account listed above. Under the FCRA, unverified accounts must be removed. 

Promptly DELETE all information if you are unable to provide me a copy of my request.

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 2023-10-30 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: NV

Complaint narrative:
In XX/XX/XXXX, I filed a CFPB complaint against Capital One ( CFPB # XXXX ). They refused to return my deposits ( {$130.00} ) from XXXX despite providing them with evidence, which included XXXX 's own policy of temporarily withholding {$50.00} on the credit card for XXXX week that would be returned to me ( attached ... .again ). 
They sent you - CFPB - a copy of a letter addressed to me ( attached ), stating : " On XX/XX/XXXX, we issued a goodwill credit of {$130.00} to your account ''. In which you XXXX- closed the case. 
However, no credit was extended to me at all. When I called today ( XX/XX/XXXX ), I got same old song and dance that prompted the original complaint : they took XXXX 's side. I asked Capital One to provide me information XXXX had provided them that disputed my claim. They can not do so because they don't have it. They have the same REFUND POLICY from XXXX that I have. So essentially, Capital One lied so that the original case could be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX, TX XXXX Email : XXXX Date : XX/XX/2023 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX CC : Consumer Financial Protection Bureau Dear XXXX XXXX XXXX write to express my acute frustration and disappointment with your flagrant mishandling of my previous request. Your egregious errors have not only violated Section 611 ( 15 U.S.C. 1681i ) and Section 623 ( 15 U.S.C. 1681s-2 ) of the Fair Credit Reporting Act ( FCRA ), but they have also put me at a significant financial disadvantage, causing unnecessary stress and emotional turmoil. 

The accounts I demanded to be added are as follows : XXXX. XXXX - [ XXXX ] XXXX. XXXX XXXX BANK - [ XXXX ] XXXX. CAPITAL XXXX - [ XXXX ] XXXX. CAPITAL XXXX - [ XXXX ] XXXX. XXXX XXXX- [ XXXX ] XXXX. CAPITAL XXXX - [ XXXX ] XXXX. XXXX XXXX - [ XXXX ] XXXX. XXXX XXXX BANK - [ XXXX ] XXXX. SYNCB/AMAZON PLCC XXXX XXXX XXXX ] XXXX. XXXX BANK - [ XXXX ] XXXX. XXXX XXXX XXXX - [ XXXX ] XXXX. XXXX BANK - [ XXXX ] XXXX. XXXX OF XXXX / XXXX - [ XXXX ] XXXX. XXXX OF XXXX / XXXX - [ XXXX ] XXXX. XXXX OF XXXX / XXXX - [ XXXX ] XXXX. XXXX OF XXXX / XXXX - [ XXXX ] The failure to include these accounts in my credit report adversely impacts my creditworthiness, hampers my financial planning, and obstructs my eligibility for loans and credit applications. This is an unacceptable and grievous error, which I demand be corrected immediately. 

I insist upon the following : XXXX reinstatement and addition of all the accounts listed above. 
Written confirmation acknowledging this correction. 
An updated copy of my credit report reflecting these changes, as per FCRA Section XXXX. 

Failure to comply within the XXXX FCRA-mandated window XXXX force me to escalate this issue by filing formal complaints with the Consumer Financial Protection Bureau XXXX CFPB XXXX and pursuing all available legal remedies under Sections XXXX and XXXX ( XXXX U.S.C. XXXX and XXXX ) of the FCRA. 

This is your final opportunity to resolve this before I take further legal action. I expect immediate and effective resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/2023 I received a text message from my mobile banking ( Regions Banking ) that a series of transactions had occurred on my checking account eventually amounting to a total of {$5300.00}. Some of these transactions took place near my home and XXXX other transactions took place in XXXX, WA which is XXXX minutes away from XXXX where I live. I then filed a claim with my bank stating that I had never received the debit card which was used to make these transactions. I have recently learned that my fraud claims have been denied by my bank. They did not even have the decency to email me saying that the claims had been denied, I had to call them multiple times. They denied my fraudulent claims because they said the transactions took place near where I live and typically use my debit card. That is crazy to me, as I have never shopped in any of those stores where the transactions took place nor have I used an ATM in XXXX before! I also never travelled to XXXX, WA the night of XX/XX/2023 where someone spent a total of {$3000.00}. Regions Bank also said that the card was delivered to my apartment, but I never received the card and never activated it myself. The bank says that someone would need personal information to activate the card, but again I never received the debit card and never purposely or willingly gave away personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I am writing regarding the recent notice I received from my credit card company, CITI, requiring me to agree to receive statements and legal notices electronically in order to maintain digital access to my account. I believe this policy may be illegal for the following reasons : CITI 's policy requiring consent to paperless statements or else face denial of access to my account information appears to contradict consumer protections under ESIGN, TILA, and the FCBA. I urge you to look into this matter to ensure companies are not unlawfully coercing consumers into electronic contracts. Please let me know if I can provide any additional information. Thank you for your time and attention.

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 2023-10-29 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: WI

Complaint narrative:
In Accordance with the Fair Credit Reporting Act. The list Accounts below has Violated my Federally Protected Consumer Rights to privacy and Confidentiality under 15 usc 1681, -B. 

Account Names/ # : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX All of these Accounts have Violated my Rights.

15 u.s.c 1681 Section 602A. States I have the rights to Privacy.

15 u.s.c 1681 Section 604A 2 States A Consumer reporting agency cant furnish a account without my written Instructions, or have reasonable cause to believe that the information being reported is inaccurate.

15 u.s.c 1666B States that A creditor may not treat a payment on a credit card Account under an open end consumer credit plan 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 2023-10-30 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 ( XXXX  XXXX ) I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-30 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: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these ITEMS ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

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 2023-10-30 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: MI

Complaint narrative:
Delete XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # 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 ( XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXXXXXX XXXX   Account Number : XXXX XXXX XXXX Account Number : 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 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 Date XXXX inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from XXXX, Equifax and XXXX XXXX collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/ was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The following 3 unauthorized inquiries appeared on my credit report. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following 1 unauthorized application was submitted to the vendor listed below although nothing was listed on my credit report -XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have identified accounts on my credit that are results of identity thief. These accounts are not related to any transactions completed by me. I have read that I have rights to my information blocked and removed pursuant to 15USC 1681c-2. Please honor my request and removed these accounts for my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: SC

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I RECENTLY WAS REVIEWING MY CREDIT REPORT I NOTICED SEVERAL ITEMS THAT DON'T BELONG TO ME ARE FRAUDULENT AND UNAUTHORIZED FOR CREDIT PURPOSES. I AM REQUESTING THE INQUIRIES BELOW BE REMOVED BECAUSE THEY ARE INACCURATE, UNAUTHORIZED, AND NOT MINE. 

XXXX XXXX XXXX XX/XX/XXXX ACCOUNT WAS NOT AUTHORIZED XXXXXXXX XXXX  XXXX XX/XX/XXXX NOT AUTHORIZED XXXX XXXXXXXX XX/XX/XXXX NOT AUTHORIZED XXXX XXXX XXXXXXXX THESE ACCOUNTS WERE NOT AUTHORIZED AND NEED TO BE DELETED FROM MY CREDIT REPORTS. ACCORDING TO THE FCRA, LEGALLY THESE UNVERIFIED AND UNAUTHORIZED ITEMS MUST BE REMOVED.

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 2023-10-30 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: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. 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 2023-10-30 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
In XX/XX/ I was reviewing my credit reports and found out there is a Bread Cashback American Express Credit Card ending in XXXX. This account has been opened fraudulently by someone else than myself. I have no knowledge of this account and have not authorized Comenity to open the account or check my credit. Despite efforts to contact Comenity, I have been unable to remove the account from my credit reports.

Company response to consumer: Closed with monetary relief