vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 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: CA

Complaint narrative:
The 3 major credit agencies are not reporting my lawful and valid consumer of recently and currently discovered item ( s ) with probable deception that is not certifiably compliant in reporting and/or otherwise appear to be deficient in its reporting statuses as stated when reported. Furthermore, this declaration is my consumer 's rightful demand for an adequate investigation/reinvestigation into every part of any delinquency and or demeaning data charged of me to ensure the adequacy of lawful reporting! I understand that the reporting industry has intentionally developed a STANDARD for better ensuring certifiably compliant reporting practices, processes, and procedures are followed so that the maximum possible accuracy and completion is believable minus any deviations or diversions from the established and expected reporting of consumer data and acceptance of reported data by a receiving repository!

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 2023-12-12 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: CA

Complaint narrative:
The 3 major credit agencies are not reporting my lawful and valid consumer of recently and currently discovered item ( s ) with probable deception that is not certifiably compliant in reporting and/or otherwise appear to be deficient in its reporting statuses as stated when reported. Furthermore, this declaration is my consumer 's rightful demand for an adequate investigation/reinvestigation into every part of any delinquency and or demeaning data charged of me to ensure the adequacy of lawful reporting! I understand that the reporting industry has intentionally developed a STANDARD for better ensuring certifiably compliant reporting practices, processes, and procedures are followed so that the maximum possible accuracy and completion is believable minus any deviations or diversions from the established and expected reporting of consumer data and acceptance of reported data by a receiving repository!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I recently opened a capitalOne " savor '' Mastercard. I did so entirely online. After I got the card in the mail, I logged into the same account I used to sign up and they would not let me unless I consented to receive Texts and calls so I called and spoke to XXXX, a supervisor who confirmed that CapitalOne requires consumers to agree to calls and texts for marketing and other reasons as a required condition to use the website - even though I used the website to get the card in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America deducted {$470.00} from my checking account and sent it to an unknown payee. The check was supposed to be sent to my HOA but instead, it was sent and cashed by someone unknown to me. BOA is supposed to send me an affidavit for signature so they can release the funds back to my account but they have not. I have called them several times and they keep stalling the process. It has taken me several times to get any response out of BOA.

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 2023-12-12 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am writing to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC XXXX XXXX XXXX XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that NAVY FEDERAL CR UNION conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that NAVY FEDERAL CR UNION will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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:
My name is XXXX XXXX XXXX XXXX and I am writing to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC XXXX XXXX XXXX XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that TRANSUNION conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that TRANSUNION will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.

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 2023-12-12 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: PA

Complaint narrative:
I have attempted to attain my XXXX EQUIFAX credit report 4 times over the last 4 weeks and the report information does not appear just a blank screen. when I attempted to attain it online. 

Additionally, I have sent in annual credit report forms via USPS regular mail 3 times requesting my EQUIFAX credit report but have not received an Equifax credit report or any type of reply after submitting 3 requests for it by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: WI

Complaint narrative:
I have a very large student debt and I find it quite frustrating that the Capitalized Interest is not displayed as a total of interested that has accumulated in my account. Only the Interest Subsidy is shown which is not a fair representation of how much interest has actually accumulated and has grown my original amount to be paid by 30 % which is over {$70000.00} added onto my original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I had store charge cards from XXXX and Best Buy opened up in my name without my consent. I have contacted the companies to close those accounts and have claimed that they were fraud. I had over {$2400.00} spent at best buy on that card and {$800.00} spent at XXXX in the form of gift cards from what customer service told me. I have since frozen all my credit accounts on XXXX XXXX XXXX XXXX  as well as filed a police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express advertised its relationship with XXXX as a feature of the XXXX XXXX The feature gives consumers up to {$100.00} for using XXXX to purchase airport lounge tickets through their website. I obtained this card in part because of this added feature. However, when attempting to use XXXX, the app does not allow purchases for all airport lounges. In visiting XXXX XXXX XXXX XXXX XXXX does not allow purchase to any, with over 10 lounges available at the airport. Instead, for the lounges I was interested in, the application simply told me to just walk into the lounge and buy a ticket. 

In reviewing the conditions and terms of this benefit, American Express is requesting that consumers purchase tickets through XXXX to receive the credit. However, the limited availability of the third party does not allow consumers to comply with American Express 's requirements. In addition, terms and conditions presented by American Express do not detail the limited availability of the third party, which, if disclosed, could assist consumers in making informed decisions about the card, as this card also comes with an annual fee. It is a tactic of American Express to market the card benefits as an attraction and that " the card pays for itself. '' Unfortunately, due to this relationship, this card does not. 

This appears to be a violation of the Federal Trade Commission Act, Section 5. Truth-in-Lending requires disclosures to be clear and conspicuous. Disclosures from American Express failed to detail that the third party does not permit purchases of all lounges, which would give consumers accurate information to make a credit decision. The bank has also failed to monitor and audit its third party, as the terms and conditions posed by American Express do not align with the offerings of the third party, presenting consumer harm. The marketing of this benefit by American Express is deceptive. 

I have already purchased two lounge passes with airlines that XXXX does not offer a sale for and I am requesting that American Express honor their agreement and provide me the {$100.00} statement credit come year-end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Goldman Sachs XXXX closed my CD account without any notice to me and sent the account balance in check format to the wrong address. They have refused to send out a new check to my current address until the previous check expires in 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
Hi my name is XXXX XXXX Somebody use my information on credit XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX I tried to dispute but they refused... 
It drawning my XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
The credit card was closed and no information was provided for the reason for the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC 1681. 

Additionally, this debt is the direct cause of the buildings management team mishandling the disconnection of utilities for an apartment I no longer resided in as utilities were sourced through 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 explanation
Consumer complaint received 2023-12-12 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: IL

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 XXXX XXXX XXXX XXXX ( XXXX XXXX ) 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. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX 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 XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX, And Equifax are obligated by FCRA to report accurate accounting. The consumer has advised ALL the inquiries reported were fraud, and said the company had 4 days according to XXXX to remove such items. FTC fraud report was filed on behalf of the consumer, the consumer is now requesting XXXX, XXXX XXXX, And Equifax to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, XXXX XXXX, And Equifax has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. the consumer is NOT asking for an e-oscar report, If XXXX, XXXX XXXX, And Equifax do not have documentation to show these were in fact authorized they must be removed ASAP. Said company is liable under the SEC to follow certain rules, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form XXXX treasury omb forms to audit consumers ' accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Midwestern Health Management INC
State: MO

Complaint narrative:
I have a paid medical collection that the collection company, NW Financial Services, refuses to remove from my credit report. They are verifying it as unpaid through transunion dispute when I paid it XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian, XXXX XXXX, And XXXX are obligated by FCRA to report accurate accounting. The consumer has advised ALL the inquiries reported were fraud, and said the company had 4 days according to XXXX to remove such items. FTC fraud report was filed on behalf of the consumer, the consumer is now requesting Experian, XXXX XXXX, And XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, Experian, XXXX XXXX, And XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. the consumer is NOT asking for an e-oscar report, If Experian, XXXX XXXX, And XXXX do not have documentation to show these were in fact authorized they must be removed ASAP. Said company is liable under the SEC to follow certain rules, Experian, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form XXXX treasury omb forms to audit consumers ' accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
I am not liable for this debt with XXXX Bridgecrest Acceptance Corpora. I do not have a contract with XXXX XXXX XXXX they did not provide me with the original contract as I requested. 

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 US 1681. XXXX Account # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

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 2023-12-12 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: IN

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.

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