vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-25 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXXXXXX XXXX XXXX XXXXXXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: MI

Complaint narrative:
THE COMPANY WAS TOLD THAT THEY COULD NOT SHARE MY PRIVATE INFORMATION WITH THIRD PARTY ENTITIES. THEY HAVE VIOLATED THE PRIVACY LAWS OF THE UNITED STATES AND HAVE CONTINUELY VIOLATED MY PRIVATE RIGHT TO PRIVACY FOR YEARS EVEN AFTER BEING ASKED TO STOP REPORTING THIS INFORMATION CAUSING DAMAGE TO MY REPUTATION. THEY HAVE ALSO BEEN ASKED TO SEND THE 1099C FORM OF DEBT CANCELLATION INWHICH THEY REFUSE TO DO SO. THEY WERE ALSO ASKED TO SEND THE GAP INS. CHECK BACK TO ME FOR REFUND AND THEY STILL HAVE NOT DONE 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 non-monetary relief
Consumer complaint received 2024-12-26 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: MI

Complaint narrative:
THE COMPANY WAS TOLD THAT THEY COULD NOT SHARE MY PRIVATE INFORMATION WITH THIRD PARTY ENTITIES. THEY HAVE VIOLATED THE PRIVACY LAWS OF THE UNITED STATES AND HAVE CONTINUELY VIOLATED MY PRIVATE RIGHT TO PRIVACY FOR YEARS EVEN AFTER BEING ASKED TO STOP REPORTING THIS INFORMATION CAUSING DAMAGE TO MY REPUTATION. THEY HAVE ALSO BEEN ASKED TO SEND THE 1099C FORM OF DEBT CANCELLATION INWHICH THEY REFUSE TO DO SO. THEY WERE ALSO ASKED TO SEND THE GAP INS. CHECK BACK TO ME FOR REFUND AND THEY STILL HAVE NOT DONE SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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:
THE COMPANY WAS TOLD THAT THEY COULD NOT SHARE MY PRIVATE INFORMATION WITH THIRD PARTY ENTITIES. THEY HAVE VIOLATED THE PRIVACY LAWS OF THE UNITED STATES AND HAVE CONTINUELY VIOLATED MY PRIVATE RIGHT TO PRIVACY FOR YEARS EVEN AFTER BEING ASKED TO STOP REPORTING THIS INFORMATION CAUSING DAMAGE TO MY REPUTATION. THEY HAVE ALSO BEEN ASKED TO SEND THE 1099C FORM OF DEBT CANCELLATION INWHICH THEY REFUSE TO DO SO. THEY WERE ALSO ASKED TO SEND THE GAP INS. CHECK BACK TO ME FOR REFUND AND THEY STILL HAVE NOT DONE 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 2024-12-25 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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 non-monetary relief
Consumer complaint received 2024-12-26 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-25 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: NY

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX # XXXX XXXX NY XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, New York XXXX Social Security Number : XX/XX/year> Date of Birth : XXXX To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
This company is violating my rights they have not provided validation information under 12 CFR 1006.34i ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

I have reached out to this company directly to get more information. They are violating my rights and i'm entitled to 1000 dollars for every violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: Security Credit Services, LLC
State: TX

Complaint narrative:
Inaccurate inquiries on credit Inaccurate reporting of repossession Inaccurate collections information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Inaccurate inquiries on credit Inaccurate reporting of repossession Inaccurate collections information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: WA

Complaint narrative:
I am writing to file a formal complaint regarding a missing deposit at a KeyBank ATM located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX on XXXX XXXX XXXX  at approximately XXXXXXXX XXXX I deposited {$1200.00} cash into my business account at this time via the ATM. 
The ATM appeared to accept the deposit. It prompted me to confirm the deposit, thanked me for the transaction, and dispensed a deposit slip. As I drove off, I had realized that the ATM did not give me my card back and upon reviewing the deposit slip, I discovered that it indicated " No Deposit Made. '' I immediately visited the KeyBank branch the following day to report the issue. Despite my concerns, the branch personnel had stated that there is no record of the deposit and no overage found in the ATM 's cash inventory. 
The ATM malfunctioned and I have a recording of this. I observed this behavior firsthand when, in the presence of a bank teller, I attempted to deposit a {$5.00} bill to show the teller the sequence of steps. The ATM followed the same sequence as my initial deposit : it appeared to accept the deposit, thanked me, and dispensed a slip. However, approximately 10 seconds later, the {$5.00} bill was silently ejected, and a few moments later the ATM began beeping as if something was wrong. 
Based on this observation, I suspect that the ATM may have similarly ejected my {$1200.00} deposit. I am concerned that the funds may have been taken by a passerby or potentially retained by the ATM itself.

The branch manager couldn't offer any explanation on why the ATM behaved this way, and furthermore insinuated that the transaction was made up, even though I showed him the original deposit slip. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure the proper functioning of KeyBank 's ATMs and the safety of customer deposits. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-26 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: GA

Complaint narrative:
Submitted a dispute with the Credit reporting agencies Transunion XXXX XXXX concerning an account listed on my credit profile from XXXX XXXX XXXX asking for a removal of a false and misleading account. This company is falsely and illegally reporting information the the CRA ' S listed above. I have no knowledge of any accounts with this company nor have i ever been under any agreement With the Company Known as 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 non-monetary relief
Consumer complaint received 2024-12-26 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: GA

Complaint narrative:
Submitted a dispute with the Credit reporting agencies XXXX XXXX Equifax concerning an account listed on my credit profile from XXXX XXXX XXXX asking for a removal of a false and misleading account. This company is falsely and illegally reporting information the the CRA ' S listed above. I have no knowledge of any accounts with this company nor have i ever been under any agreement With the Company Known as XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Privacy Notice XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Effective Date : XX/XX/year> Notice : Per the FCRA for the federally Protected Consumer : I XXXX XXXX am now Opting out of any, and all Authorization is given to report my personal information to a third party such as XXXX, XXXX, and XXXX. All three agencies should not be reporting these transactions. I the consumer have given you written, unwritten verbal, and nonverbal or by unknowingly accepting said terms by simply giving my information to you, per 15 USC 6802.

I have not been given any option to opt-out and would like it to be a permanent process under this contract agreement. Account has been paid in full as agreed.

16 CFR 433.2 NOTICE ANY HOLDER OF THISCONSUMER CREDIT CONTRACTIS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THESELLEROF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

By : 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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
this account was opened with out my knowledge this account is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I reached out to Amex customer service for an offer that wasnt honored after spending double the amount required to meet the spend requirement. I was told that it would take time to apply to my account, so I waited until 3 days before the offer expired. Now I am being told that I didnt meet the spend requirements because I didnt buy the product through the website. I did buy the product through the website and I can see in the description of the purchase the vendors name. I was misinformed from a representative saying that this would be honored and then from another representative that I would get notification on the follow up on this case. I had to reach out again to see what was the outcome of the case and was told i didnt meet the criteria of purchasing the item. This is foul play and I will not consider using the offer features of Amex again. It makes me not even want to be a customer of their credit card services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I've had multiple Data Breach and Identity theft committed against me, and I had one with Capital One, they paid me a little over XXXX XXXX XXXX in the year of XXXX. 
The last time I spoke with someone at Capital One, I specify and told them directly to not open any accounts in my name, and I also told them to red flag my social security number, and they said they will do so. 
So this year XXXX 2 more credit cards pop up under my name and social, and now there is a balance and a charge off on my credit report, so I wrote to them again and told them that I did not opened these accounts, they wrote me back on XXXX XXXX XXXX  and stated they found no fraud on these accounts. And then I get another letter from them on XX/XX/year> stating that my address was updated, and I know for a fact that I did not contact Capital One about my address. 
I'm sick and tired of this fraudulent bank always opening accounts in my name without my knowledge or consent. 
This has been going on too long, and now I'm ready to hire a Civil Attorney to sue this bank, because they are FRAUD!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: GA

Complaint narrative:
XX/XX/year>, I submitted a dispute to Transunion Credit Reporting Agency concerning the reporting of a false and illegal account from the company known as XXXX XXXX XXXX the company is falsely listing a account to my credit profile with Transunion this account i have no knowledge of nor have i ever been under contact or under any agreement with the company listed above. i asked Transunion to properly investigate the matter of which the company failed to do 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 non-monetary relief