vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-09 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  XXXX  Account # ending XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # ending XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My complaint is with Capital One Credit Card Company. I called them to issue a Block Payment Request on a Company. After 16 days the with XXXX payment Request was not in effect. A second call resulted in a promise that the XXXX payment request was now in effect. After a period of XXXX more days the Request was still not in effect. A XXXX call on XX/XX/2024 to supervisor " XXXX '' who stated that the only way for a Block payment Request to be produced was that I had to " dispute a charge '' by the merchant. I could not comply with this request as the charge was legitimate. My only reason was that the company could not be contacted to cancel an auto-renewable order. An on line recorder stated the company was experiencing a high volume of phone calls. " XXXX also explained that I could not contact any one else about my issue. He was the final step. His supervisor was a XXXX XXXX who did not accept phone calls or contact. Also, ' '' XXXX XXXX said that he could not give me an address of their legal dept. as he did not have any information about this part of the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-09 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.

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 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.

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXI XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-08 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: Diversified Adjustment Service, Inc.
State: TN

Complaint narrative:
Im trying to fix my credit and today Diversified Adjustment service / XXXX  are reporting a debt thats not mines nor have any knowledge of debt/account. I contact them both to get information and to inform them this debt/account is fraudulent. They both mentioned to contact the other, I just want this account deleted and removed immediately. According to the 15 U.S.C 1681 law there shouldnt be any damages on my report, its a defamation to my character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
We had made a {$500.00} deposit into the banks ATM on XX/XX/year>. There was a problem with the ATM XXXXm assuming because the money was not credited to the account. When going in and speaking to them they say there is nothing they can do until XXXX XXXX. So I am without my funds for two to three days. I live paycheck to paycheck and need my funds. I called customer service and still no help. The banks ATM took my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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 2024-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: States Recovery Systems, Inc.
State: GA

Complaint narrative:
SRSI I dispute any debt your company claimed to have on me you must stop all collection activities do not call my telephone number or email address ( XXXX ) if you were ever given permission to call this number ( XXXX ) I am revoking that now, as I have stated before I am a victim of identify fraud I have not submited any online applications I have not submitted Identification to open any such account. my demands are : for you to provide a audit trail. ( This is what I need included in that audit trail. ) Original signed Contract Account File Ledger All account Documents Transactional History please be sure to provide everything the mentioned in this letter. According to fair credit reporting act section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that you post on a credit report ( which you have not done ) otherwise anyone paying for your reporting services could fax, mail, or email, in fraudulent accounts If you are unable to provide the demanded information you must immediately delete this account. If you fail to communicate to the consumer report and agencies that this debt is in disputed that would be a violation pursuant 15USC 1692E8 - false or misleading representation. The law is very clear as to the civil lability and the remedy available to me according to 15 USC 1692K. Furthermore failure to honor this request will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an update to my credit report. Under federal law you have 30 days to complete your re-investigation please be advised that the description of the procedure used to determine the accuracy of completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation I also attched a my identytheft report Thanks for giving this letter your prompt attention..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: CA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent account on my report. Please remove this account from my report, its hurting my ability to obtain credit.

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 2024-03-08 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: PA

Complaint narrative:
I am writing to express my frustration and disappointment regarding the ongoing dispute process for inaccurate and unverified negative items on my credit report. It is disheartening to find myself in a continuous cycle of disputing these items, especially when they have been previously acknowledged as inaccurate by another credit bureau.

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 2024-03-08 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: OH

Complaint narrative:
I respectfully request that you conduct a comprehensive investigation into this matter, acknowledge the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

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 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Hello, I have a citibank checking account. From what the documents that I have, to avoid a monthly account fee I need to do a Direct Deposit each month, and make a bill payment. 

So each month I have two Direct Deposits from my pay checks that go out on or the working day before XXXX and the last working day of the month. Then I have a bill payment to XXXX XXXX XXXX through there bill payment portal each month around the XXXX. Even when I complete there requirements, they charge me a XXXX dollar fee each month even when this happens. I then have to call customer service for 20-30 mins, and they will refund me the money but it keep happening costing me my time. I don't like this practice, and I wonder how many other people they are doing this to. And some months I didn't call, they can't " go back '' in time to refund me. I am being defrauded from them, as they are breaking there contract with me.

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 2024-03-09 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: FL

Complaint narrative:
EQUIFAX and XXXX have some other people information on my account I havent consented to or agree to those accounts and or companies. This needs to be regulated a little more. Ive spent XXXX of dollars on credit repair and monitoring f for identity theft protection. Theyre no good either. Please reference the consumer protection laws/rights that allows them to get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: IL

Complaint narrative:
I am writing to express my deep frustration and dissatisfaction with the repeated attempts to expedite the removal of fraudulent items from my credit report. Despite multiple requests and assurances of prompt action, these fraudulent entries persist, causing significant distress and financial harm. 

As a victim of XXXX XXXX, I have diligently followed the procedures outlined by your agency to dispute and remove inaccurate information from my credit report. However, despite providing extensive documentation and evidence of the fraudulent nature of these items, they continue to negatively impact my creditworthiness and financial well-being. 

The delays in resolving these issues are unacceptable and have further exacerbated the stress and inconvenience caused by the fraudulent activity. I have made numerous attempts to communicate with your agency and have been met with assurances of swift resolution, yet the problem persists. 

I urge you to prioritize the immediate removal of these fraudulent items from my credit report and to take all necessary steps to prevent their recurrence in the future. Additionally, I request transparency regarding the reasons for the delays and a clear timeline for resolution. 

Furthermore, I expect compensation for the damages incurred as a result of the prolonged delay in addressing this matter. The financial and emotional toll of dealing with XXXX XXXX and its aftermath can not be understated, and I demand fair restitution for these hardships. 

I trust that you will treat this matter with the urgency and seriousness it deserves and take immediate action to rectify the situation. Failure to do so will leave me with no choice but to pursue legal action to protect my rights and interests. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2024-03-09 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: IL

Complaint narrative:
I am writing to express my deep frustration and dissatisfaction with the repeated attempts to expedite the removal of fraudulent items from my credit report. Despite multiple requests and assurances of prompt action, these fraudulent entries persist, causing significant distress and financial harm. 

As a victim of XXXX XXXX, I have diligently followed the procedures outlined by your agency to dispute and remove inaccurate information from my credit report. However, despite providing extensive documentation and evidence of the fraudulent nature of these items, they continue to negatively impact my creditworthiness and financial well-being. 

The delays in resolving these issues are unacceptable and have further exacerbated the stress and inconvenience caused by the fraudulent activity. I have made numerous attempts to communicate with your agency and have been met with assurances of swift resolution, yet the problem persists. 

I urge you to prioritize the immediate removal of these fraudulent items from my credit report and to take all necessary steps to prevent their recurrence in the future. Additionally, I request transparency regarding the reasons for the delays and a clear timeline for resolution. 

Furthermore, I expect compensation for the damages incurred as a result of the prolonged delay in addressing this matter. The financial and emotional toll of dealing with XXXX XXXX and its aftermath can not be understated, and I demand fair restitution for these hardships. 

I trust that you will treat this matter with the urgency and seriousness it deserves and take immediate action to rectify the situation. Failure to do so will leave me with no choice but to pursue legal action to protect my rights and interests. With this, I am asking for your assisstance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Customer wishes to file a complaint dispute against XXXX XXXX who continues the charges account after closing the account customer complaints that makes XXXX does not allow customer to get past first customer service personal

Company response to consumer: Closed with non-monetary relief