vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I met with XXXX XXXX XXXX about matchmaking services. As soon as I sat down they said I had a match with someone named XXXX, they promised an introduction on XX/XX/XXXX. I filled out the paperwork and then we talked about cost. The person, XXXX told me that it cost {$20000.00} dollars but I told her that I didn't have the money. She talked to someone on the phone, took my picture and said that they would charge me {$5000.00}. I told her that was too much and she asked if I had a credit card. I told her I had one but only had an available balance of {$3000.00} not enough to cover the {$5000.00}. She forced me to apply for a credit limit with increase in front of her, my credit card issuer was XXXX XXXX. I then signed a contract that was a bit confusing. The language on the body of the contract said that I was unable to get a refund for the service but just above the signature line it said that if I wanted a refund I'd have to ask for XXXX within XXXX days. On XX/XX/XXXX, I called my credit card company, Sears Mastercard to file a billing dispute. I explained that I saw on the XXXX XXXX XXXX website this company was listed as a scam. They put a hold on this transaction. I then worked with XXXX XXXX XXXX to get a refund. They never set up an introduction with XXXX. Over the next few weeks, I did not receive any communications from the match they made with a XXXX, until I kept bringing it up with me. XXXX the person I initially met with told me she's not a matchmaker and that I'd have to speak with the matchmaker. I kept on getting bumped to different people. Eventually, I was blocked by XXXX. I collected all this information and provided it to Sears Mastercard. On XX/XX/XXXX, they said my billing dispute was resolved and that I did not have to pay for this service. In XXXX ( the date is a bit fuzzy ) Sears Mastercard said that they received information fro XXXX XXXX XXXX and that I was on the hook for the service and my account was charged. I sent them a letter telling them that I was forced to apply for a credit limit increase and asked that they look at the timestamp of that event. On XX/XX/XXXX, I received another letter from Sears Mastercard that they decided to go with XXXX XXXX XXXX and I was responsible for paying 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 explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: MT

Complaint narrative:
XXXX. I requested several times for illegally withdrawn amounts on my account be stopped. There are fraudulent withdrawls from vendors in countries that run rampant with scams. I provided all the documentation to a key individual at the branch, she notarized my signature on the forms, then never submitted them. I followed up on the charges, and I was ignored. I reached out numerous times to find out what is going on, resubmitted the documents via email, and finally after weeks was informed that I have to open a new account and that all of the charges are valid. This is incorrect. They are not valid. I do not authorize them. I have documents I would like to upload, they show all the necessary information. 
XXXX. I lost my phone and can not access my account because it sends a XXXX time code. I called Key Bank call centers and branch locations and they refused to let me update my phone number regardless of the suggestions I had such as sending a notarized statement, or a zoom call with me holding up my passport, drivers licence, verifying PII, etc. I am XXXX, and had reconstructive XXXX. I am immobile. I can not hop in a car XXXX XXXX to another state so that I can show them my DL in person, just to update a phone number so that I XXXX access my account. I requested their policy, and was refused. I requested the law, the reason, etc and was simply told " We cant do it '' so as a XXXX person, I made a reasonable accomodation request that they make an adjustment to their policy about proving identity in person and allowing a different verification method since I am immobile. They refused. The IRS does it, XXXX does it. I think they could also verify via zoom or a notarized document. It is considered discrimination against a XXXX when you do not make an adjustment to policy that would not adversly effect their institution. Furthermore, they cry security risk yet allow scammers from XXXX to continue to steal my money every month, so how does that compute? 
XXXX Key Bank call center XXXX XXXX and XXXX. Call # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: OH

Complaint narrative:
I received a debit card from Chime that I had not requested. More importantly, they issued the card and opened an account in my name despite me having a fraud alert and credit freeze on file. I called customer service and they closed the account. I am not sure how anyone could have opened it in the first place when I already had taken the necessary steps to prevent this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
Tried to open an account with XXXX XXXX : Mobile Banking by First National Bank of Omaha thru their app on XX/XX/2024 and was denied. 
The reason it was denied is because it did not meet the bank 's requirements. 
" The bank requirements encompass several determining factors, including, but not limited to, personal information discrepancies or an inability to validate identity. '' When I reached out over the chat thru the app to ask for the detail of the discrepancies or which of my identity was invalid so it can be corrected, the bank unable to share that information due to privacy reason. 
It seems like their decision is final and nothing can be verified or corrected.

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 2024-01-10 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: NJ

Complaint narrative:
I am writing to report violations of my rights by XXXX XXXX. They failed to validate an alleged debt, ignored my dispute, and may resort to unlawful collection practices. Please investigate and ensure they comply with the Fair Credit Reporting Act. Your prompt attention to this matter is crucial.

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 2024-01-10 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: NJ

Complaint narrative:
I am writing to report violations of my rights by XXXX XXXX. They failed to validate an alleged debt, ignored my dispute, and may resort to unlawful collection practices. Please investigate and ensure they comply with the Fair Credit Reporting Act. Your prompt attention to this matter is crucial.

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 2024-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of XXXX XXXX reported by XXXX XXXX concerning an alleged debt on a Capital One Bank credit card account. This dispute is filed under the guidelines of the Fair Credit Reporting Act ( FCRA ). 

I was shocked to discover that my recent credit report contains a XXXX XXXX " collection '' allegedly owed to Capital One Bank, initiated in XX/XX/XXXX. This information is categorically false and incorrect. I do not owe any amount to Capital One Bank as alleged in this report. The information being reported is false, inaccurate, incorrect, and fraudulent. 

It is important to note that the matter about the Capital One Bank account was conclusively resolved through a Joint Dismissal With Prejudice in XXXX. This legal resolution unequivocally confirms that there is no outstanding debt or obligation on my part regarding the said account. 

Attached are copies of the relevant documents that substantiate my claim. These documents include the legal dismissal paperwork, indicating a full and final settlement of any claims associated with the Capital One Bank account. 

I request the Consumer Financial Protection Bureau to investigate this matter promptly and ensure the correction of this inaccurate information on my credit report. The presence of this erroneous entry has the potential to unjustly affect my XXXX XXXX and financial reputation. 

I trust that upon review of the attached documents and an investigation into the matter, the necessary corrections will be made to my credit report, removing any mention of this alleged debt. 

Thank you for your attention to this important matter. I look forward to a swift resolution. Please feel free to contact me for any further information or clarification needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Cell : XXXX e-mail : XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : Formal Complaint Regarding Duplicate Reporting of Nissan Motor Account by XXXX, XXXX, and XXXX Dear Consumer Financial Protection Bureau, I trust this letter finds you well. I am writing to bring a matter of significant concern to your attention, about the credit reporting practices of XXXX, XXXX, and XXXX, the major credit reporting agencies. 
Upon a recent review of my credit reports from all three agencies, it has come to my attention that the same Nissan Motor account is being reported twice by each agency. This duplication is not only inaccurate but also a direct violation of the Fair Credit Reporting Act ( FCRA ), which explicitly prohibits the reporting of a single account more than once. 

Details of the duplicate reporting are as follows : Account Name : Nissan Motor Account Number : XXXX Reporting Date : XX/XX/XXXX The presence of this duplicate entry is not only misleading but is also adversely affecting my creditworthiness. I have attached copies of my credit reports from XXXX, XXXX, and XXXX, with the duplicated entries highlighted for your reference. 
I have diligently attempted to address this issue by disputing the inaccurate information directly with each of the credit reporting agencies. However, despite my efforts, the duplicate entries persist on all three credit reports. 
Enclosed with this letter, please find the following documents : XXXX. Copies of my credit reports from XXXX, XXXX, and XXXX highlighting the duplicate entries. 
XXXX. Correspondence with each credit reporting agency regarding the dispute. 
I kindly request the Consumer Financial Protection Bureau to intervene and investigate this matter thoroughly. The repeated and inaccurate reporting of the same account not only violates the FCRA but also undermines the fundamental principles of fair credit reporting. 
I am seeking your assistance to ensure that XXXX, XXXX, and XXXX rectify this issue promptly, correct my credit reports, and adhere to the legal obligations outlined in the FCRA. Your intervention is crucial in restoring the accuracy and fairness of my credit history. 
Thank you for your attention to this matter. I appreciate your efforts in upholding the rights and protections afforded to consumers under the FCRA. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: NY

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2024-01-10 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: NY

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2024-01-10 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: NY

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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 2024-01-10 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: NY

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: NJ

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: GA

Complaint narrative:
SUPERIOR ESTATE LIMITED reported a debt with Equifax that I disputed because I had no knowledge of Equifax removed the account due to the company not verifying the account within 30 days. However they recently allowed for the company to put the credit report back on my account. They advised me to contact the creditor however when I tried to by Googling the website the contact information was not working. So Equifax told me to file a complaint with you all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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:
XXXX XXXX XXXX XX/XX/2023 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 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 I have reached out to all of the companies listed above and advised them i have not applied for any credit and advised it may have been fraudulently applied for they have all refused to remove these inquiries off my credit profile. 

i HAVE ALSO REACHED OUT TO ALL 3 CREDIT REPORTING BUREAUS AND THEY ARE UNWILLING TO REMOVE THE INQUIRES LISTED ABOVE UNLESS I FILE A FTC REPORT. 

FURTHERMORE, THE LISTED COLLECTION ACCOUNTS BELOW ARE STILL ON MY REPORT AFTER DISPUTING NOT ONCE OR TWICE, BUT MULTIPLE TIMES. THE CREDIT BUREAUS ARE REFUSING TO THOROUGHLY INVESTIGATE THESE ACCOUNTS, THEY HAVE NOT PROVIDED ME ANY INFORMATION ON HOW THESE ACCOUNTS ARE VERIFIED, INSTEAD THEY JUST SEND A GENERIC MESSAGE STATING " THE ACCOUNT HAS BEEN VERIFIED ''. IF NEEDED I WILL TAKE LEGAL ACTION INCLUDING AND NOT LIMITED TO {$1000.00} PER VIOLATION OF MY RIGHTS IF THIS IS NOT RESOLVED. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


TRANSUNION : XXXX XXXX XXXX- {$3500.00} XXXX XXXXXXXX XXXX {$1900.00} XXXX- {$2100.00} XXXX XXXX XXXX {$1800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief