vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 47 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: PA

Complaint narrative:
The bank does not properly process and display transactions. ( See photo 1, the account balance has been changed, what was the reason for this is not known ). Disables some services for the time required to calculate the commission ( see photo 2, where overdraft protection service is unavailable ). I believe that the bank artificially creates temporary delays in some payments, not displaying them in the personal account. Thus, in a few days there can be several transactions that have the " pending '' status. According to the bank 's manager XXXX XXXX : " the bank uses priority based on the amount of the transaction, and not the date of the payment, a large amount is considered the main one. '' In my case : XX/XX/XXXX there were 5 ACH transactions with the same amount of {$10.00}, XX/XX/XXXX there was 1 ACH transaction of {$96.00}. Thus, after 3 days, the bank displays all payments at once, first the maximum amount of {$96.00} is debited, and then {$10.00} five times. I believe this is done solely to maximize the overdraft commission imposed on the account. Once again I want to draw your attention to photo 2. The result of the manipulation : XXXX $ ( overdraft ) * 5 ( times transactions ) = XXXX $ fees. At the meeting with the bank manager, I did not receive any clarification about the photographs provided and explanations to them. XXXX XXXX 's promise to sort it out was not crowned with a positive result, as the person was directly interested, and the photo remained without any explanations or comments, as well as the balance of the account. Earlier, I have already encountered overdraft charges to my account in the Key bank, but after I showed that I can not manage my debit card in the Key bank app, where it says that I don't have it, fees was dismissed... I wish to believe that it's system error, but manager said that he needs to ask someone and that I don't have a right to know it, but he will submit me a decision on a next day. I am forced to consider this as another manipulation on the part of the bank, when the manager shifts his powers to an indefinite person and avoids answering the photographs presented by me at the meeting. 

P.S. on the top of the pictures is date when it was created.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have yet to received your correspondence on this alleged account stating your ( verified or updated ) these accounts obviously you didnt give XXXX and did NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account from a Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.

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 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ideal Collection Services, Inc.
State: GA

Complaint narrative:
Ideal collection Service has committed serious violations under the Fair Debt Collection Act and the Fair Reporting Act as well as willful non-compliance of XXXX XXXX reporting. On XX/XX/2021 sent certified letter to Ideal Collections to validate the Debt that was they were reporting only to XXXX on my Credit report, from the beginning this account is not in compliance with XXXX XXXX reporting. Ideal Collections is the Data Furnisher and they are reporting inaccurate, erroneous and missing information. I received a copy of a lease along with a letter stating that they had noted my account as disputed. ( See copies of credit report at the time I requested validation, copy of letter requesting validation and copy of letter stating account will be marked as disputed. ) On XX/XX/2021 I sent another certified letter to Ideal Collections informing them I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. ( see copy of letter, copy of report showing account is not marked as disputed with XXXX. This account was added to XXXX and XXXX now all 3 bureaus is furnishing inaccurate, erroneous and missing information. My guess is it was added to XXXX and XXXX as some type of punishment. The important thing is there are willful and continuous violations being done by Ideal Collection Service. On XX/XX/2021 sent certified letter to Ideal Collections requesting Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. My request was ignored. ( See attached copy of certified letter sent, copy of Ideal Collections to the 3 bureaus for the month of XXXX reporting. Still a pattern of will non -compliance of XXXX  XXXX and all 3 bureaus not marked as disputed. ( Print out of my recent updated credit report and the account is still not marked with the consumer dispute. ) I am a XXXX veteran and the actions of the company has caused me a great deal of harm when it is viewed by a creditors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 47 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX has violated my Consumer rights. Pursuant to 15 USC 1692c. ( c ) I notified XXXX  XXXX in writing that I refuse to pay this alleged debt, and I am demanding that they cease all forms of communication with me through all mediums except by postal mail. Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am Invoking my specified remedy as a consumer, and the original creditor I am demanding ALL of the following On the XX/XX/XXXXth of every month the account must have a XXXX Balance. Keep this revolving account open indefinitely. Increase my credit limit on this open-ended credit plan to {$50000.00} every month. Remove all monthly balances owed and report Zero owed for every reporting month, since the beginning of this account to all credit reporting agencies. Pursuant to violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments Stop Illegal reporting of late payments to all consumer reporting agencies. Remove all late payments reported to all consumer reporting agencies. I would like all payments I MADE SINCE THE BEGINNING OF THE ACCOUNT ON XX/XX/2020, returned back to me via mailed check and any part of the amount of the credit balance remaining 15 USC 1666d ( C ). Failure to respond to my Cease and Desist and honor my demands within 30 days will result in me the consumer pursuing legal litigation.

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 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX has violated my Consumer rights. Pursuant to 15 USC 1692c. ( c ) I notified XXXX XXXXXXXX in writing that I refuse to pay this alleged debt, and I am demanding that they cease all forms of communication with me through all mediums except by postal mail. Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am Invoking my specified remedy as a consumer, and the original creditor I am demanding ALL of the following On the XXXXth of every month the account must have a XXXX Balance. Keep this revolving account open indefinitely. Increase my credit limit on this open-ended credit plan to {$50000.00} every month. Remove all monthly balances owed and report XXXX owed for every reporting month, since the beginning of this account to all credit reporting agencies. Pursuant to violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments Stop Illegal reporting of late payments to all consumer reporting agencies. Remove all late payments reported to all consumer reporting agencies. I would like all payments I MADE SINCE THE BEGINNING OF THE ACCOUNT ON XX/XX/2020, returned back to me via mailed check and any part of the amount of the credit balance remaining 15 USC 1666d ( C ). Failure to respond to my Cease and Desist and honor my demands within 30 days will result in me the consumer pursuing legal litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
good afternoon, I have a Home Depot account on my credit report that belongs to someone else and is affecting my credit due to the fact that the account has a balance, that person called the company and asked for my removal and it has been 3 months and nothing has happened.. if you could please help me out with this situation.

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 2021-10-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Butler, Butler & Rowse-Oberle, P.L.L.C.
State: MI

Complaint narrative:
Hello, XXXX XXXX office is handling a garnishment against me from XXXX XXXX XXXX XXXX. The total garnishment according to the court documents was to be {$7100.00} ( {$4700.00} for my truck & {$1900.00} for my Visa credit card + misc. fees ). 

Midway through my garnishment, my vehicle was repossessed, and I paid XXXX XXXX XXXX {$2000.00} cash in XXXX towards the balance in order to get my vehicle back. There was a {$600.00} fee added which would make a total of {$7700.00} ( XXXX + XXXX ). To date your office has garnished {$8000.00} from my payroll, plus the {$2000.00} cash paid direct to XXXX is a total of {$10000.00} that I have paid as of today, which is approximately {$2300.00} more than the court document stated. 

Over the last 3 weeks, I have tried to resolve with XXXX XXXX & the Loan department XXXX. I called XXXX, they keep referring me to the attorney. The firm sent a letter last week of what they have deducted so far, and what was " still owed '' but never addressed the {$2000.00} cash that I paid direct to the credit union. 
Can you please assist in a final resolution? 

I have all supporting documentation if required. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid 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: U.S. BANCORP
State: CA

Complaint narrative:
I am currently in a dispute with a merchant regarding their use of a contract that's in violation of 12 CFR Part 1005 ( Regulation E ) " compulsory use '' provision. I've provided the merchant notice pursuant to Consumer Financial Protection Bureau guidance on XX/XX/2021 XXXX XXXX. However, they have indicated that they will not comply unless I cancel the contract, which would would allow them to deducted the remaining alleged balance from my debit card account. Unable to convince them otherwise I then contacted my bank on XX/XX/2021 XXXX XXXX. I was assured that. " I've blocked XXXX on your debit card and here 's a quick disclosure : " on XX/XX/2021 XXXX XXXX by XXXX XXXX U.S. Bank Email Operations Department. On XX/XX/2021 I discovered a pending transaction from XXXX. I called customer service regarding this transaction on that same day and I was told that the assurance I was given would not be honored. I was told that there was a disclaimer in my electronic banking agreement. However I could not find it. I was also informed that the stop payment that I was assured of on XX/XX/2021 would not be effective until after my phone call of XX/XX/2021. I was then instructed to dispute the transaction. Also on XX/XX/2021 I was informed by XXXX XXXX U.S. Bank Email Operations Department that XXXX XXXX had changed the merchant ID they're using to charge your debit card which is why the stop I had in place didn't prevent this one from being received. I was instructed to use their form to dispute the charge. However, their form does not provide an option related to having been assured by their staff that there was a stop payment in place.

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 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
UPDATE!!!! XXXX XXXX has deleted the fraudulent bankruptcy on XX/XX/21!! I have attached the letter from them stating they were unable to verify the accuracy of the bankruptcy. FCRA, 15 USC 1681 The public records and the associated bankruptcy derogatory accounts must be deleted.

Previous message So this is my 4th time reaching out to you or the credit bureaus. I thought the CFPB was here to help the consumer. I have been dong a lot of research and also discovered A FCRA lawyer will sue you on my behalf. There is a bankruptcy public record on my credit report, and as I mentioned I have done my research. I wrote the bankruptcy court and they said they do not report to credit reporting agencies, so by you having these public records on my account is a violation because the court didn't furnish the information so you are not reporting 100 % accurate information. Also by XXXX and XXXX getting my information they are violating my privacy rights violation US Code 1681 ( A ) ( 4 ). As the lawyer told me all of the violations are grounds for a lawsuit. I am a single XXXX mother and I refuse to be taken advantage of by these big companies. I wrote the bureaus on XX/XX/21, XX/XX/21 and today XX/XX/21. XXXX XXXX on XX/XX/21 and XX/XX/21 I have a certified mail receipt to prove they have it. I demand action

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 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have yet to received your correspondence on this alleged account stating your ( verified or updated ) these accounts obviously you didnt give XXXX and did NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account from a Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.

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 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have yet to received your correspondence on this alleged account stating your ( verified or updated ) these accounts obviously you didnt give XXXX and did NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account from a Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/2021 I received an email from Capital One stating that the company was reversing transactions and needed verification. I immediately called Capital One and informed them that I had not authorized any reversals of any transaction on my account and wanted to at that time report fraud on my account. Capital one bank then informed Me that my account would be frozen and an investigation would begin. I then received another email from Capital One on XX/XX/2021 stating that my account would be closed. I again immediately called Capital One and asked for more information. I was asked if I had traveled outside of the country as the reversal request on my account came from XXXX, I informed them that I had not and did not even own a passport. I was then told that the investigation into the fraud claim on my account was still active and that my account was still frozen but in the light that this was determined as fraud my account would be closed. I asked about my direct deposit from my employer as I had that set up and be getting paid within the next 2 days and was informed that it was not an issue. Capital One stated that once my paycheck was deposited I would have to call them back, have them release my funds ( as my account is frozen ), go to an ATM ( No Capital One branch in Massachusetts ), withdraw all my funds and then they would continue with their investigation/closing of my account. Capital One then stated that they were going to return/refund the funds that they had already reversed on my account due to me making the claim of fraud. I noticed today XX/XX/2021 that I still had not received my paycheck into my account, I called Capital One and was informed that Capital One kept my paycheck claiming because of the funds they released/reversed those transactions to the fraud person in XXXX. I asked how that was my issue and was told that Capital One needs it money back. When asked to speak to a supervisor I was denied and told that my fraud claim was closed and so was my account.

Company response to consumer: Closed with explanation