vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 2023-12-05 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: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
On XX/XX/2024, Santander alerted me to potentially fraudulent charges on my debit card. I contacted Santander to confirm that the charges at issue were indeed fraudulent, and Santander subsequently cancelled the compromised debit card. Following this, I reviewed in close detail every charge made to my checking account, for as far back as the Santander website would display. I noticed for the first time a recurring monthly charge of {$19.00} to a company called XXXX, an online learning company. I had never even heard of the company before. I made a claim to Santander, and, after not hearing back from them days later, I called to ask for an update. They told me that they would not credit my account for the fraudulent charges, which amounted to at least {$190.00} because the charges were older than 60 days old, and that I should call XXXX to have them reimburse me. I called XXXX, and they were able to confirm that the charges made to my debit card were not associated with any account belonging to me, but they also refused to reimburse the charges. I called Santander again to inform them of this, and they reopened my claim. A week or so later, Santander determined that they would reimburse me only for {$39.00}, which amounts for only 60 days ' worth of the fraudulent charges, and refused again to credit my account with the remaining {$150.00}. Both Santander and XXXX acknowledge that charges to my debit card on XXXX 's website were fraudulent, but neither company will reimburse 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 explanation
Consumer complaint received 2023-12-05 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MO

Complaint narrative:
I request the removal of the late payment remarks and an update to reflect the accurate status as current or paid as agreed.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
CFPB- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  I received {$100.00} cash app took {$2.00} in fees this payment was from An acquaintance. 

On XX/XX/XXXX I received a payment in the amount of {$60.00} from an acquaintance cash app took a fee of {$1.00} cents On XX/XX/XXXX XXXX XXXX I received a payment of {$150.00} from my girlfriend cash app took a fee of {$4.00}. 

On XX/XX/XXXX I noticed that they were taking fees and didn't understand why so I messaged them they did reimburse the XXXX XXXX XXXX XXXX XXXX  that they stole from me and informed me that for some reason I had been switched to a business account which I had never signed up for nor did they have any documentation proving that I was a business so I think they fraudulently set up accounts as businesses to take these fees and hopes that people won't notice. I informed them that this was never a business account and had many transactions dating back multiple years showing that these had never been charged before and that I would like those fees returned since I don't have a business nor did I ever. the gentleman told me that he didn't care that there was nothing they were going to do about it and that I was lucky that they did me the courtesy of returning the {$1.00} from yesterday. It's never a courtesy when you fraudulently take something. Per app disclosures, this is a free transfer site between persons. 

I was then told that there were going to be tax implications and that I would be receiving a form that I have to file with my taxes I guess I will have to go through a lawyer regarding that part of the situation because all of that is fraudulent to set up a business account and charge someone and then put tax implications on top of it even if it was {$0.00} or {$500.00} what they are doing is not okay and I am sure I am not the only one they are doing this too, this is very concerning to the general public and they should be aware of these fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: LA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-05 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: AZ

Complaint narrative:
Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

XXXX : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

XXXX XXXX : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

XXXX XXXX : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

XXXX  : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

XXXX  : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

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 2023-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In accordance with the laws of the state of California, California Civil Code Section 1526 and California Commercial Code Section 3311, once a final payment has been remitted and accepted by a creditor or lender, payment is deemed paid in full. It does not matter whether or not the total amount of debt was paid as long as a written notice signifying final payment and final payment is written on the check clearly. XXXX of said payment is final. The creditors legal department knew this, yet the company refused to return the check and accepted it as final payment. 

The credit agencies had removed this debt from my credit report ; however, as recent as XXXX of this year, the creditor, JP Morgan Chase reported it again to the credit agencies, and it was re-added to my credit report. I contacted the credit bureaus, and they each refused to remove the delinquency. This has negatively affected my credit score. Please remove the collection and debt from my credit report and any references to late payments and mark the payment as paid in full. 

Dates and amounts are as follows : Date of payment - XX/XX/XXXX   Receipt of payment XX/XX/XXXX  Amount of payment {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX  - I booked a round trip flight from XXXX to XXXX XXXX through Chase Travel Program with United Airlines, costing {$1400.00}. Trip ID : XXXX XX/XX/2023 - I received an e-mail saying that there was a delay for my flight. I logged onto the United Airlines website and there was an option on website saying that I can book a new flight at no extra cost. So I clicked on it. It then showed me my new booking but said there was an issue and to contact my agency. I contacted Chase travel and they helped me reserved a new flight from XXXX to XXXX XXXX. ( Same Trip ID ) Day of my flight : XX/XX/2023 - I got to the airport at XXXX XXXX  to catch my flight. The self check-in machine wasn't giving me a ticket and told me to contact help desk. I spent the next 3 hours juggling between Chase Travel and United Airlines trying to fix the issue.

United Airlines said that there was a reservation but no ticket and that XXXX XXXX XXXX needed to give them control of the ticket. 
There was only 15 minutes left before my flight departs and the issue was still not resolved, so I let my girlfriend fly to XXXX first and promised to meet her there the same day. 
I told the Chase representative that I needed to get to XXXX today, the Chase representative told me to book another flight via United Airline website and to keep all the receipts for a reimbursement. I did so but it costed me an extra {$3700.00}. 
After my trip to XXXX, I came back to the US, and contacted Chase Travels. They did an investigation and told me that XXXX XXXX XXXX was willing to reimburse me the price of the original flight ( {$1400.00} ) but not the price of the new ticket. 

I told Chase that I can't have that. They were willing to settle the case by giving me XXXX points but that wasn't what I wanted. I just wanted the reimbursement of the new ticket ( {$3700.00} ). 
I contacted United Airlines, All XXXX XXXX and Chase Travel, but none of them will claim fault and reimburse me for the extra cost. 

Chase 's carelessness costed me my flight to XXXX with my girlfriend and arriving at a precise time on that day which caused me to miss multiple reservations that I had in XXXX. 
All I want is for Chase to take responsibility for this mishap and reimburse me my new flight price.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX Dear sir, I have checked the response to me, which was provided at XXXX today, which claim number is XXXX. At first, in the dispute/complaint submitted on XX/XX/XXXX, I explained to your company that I am a XXXX nationality and born in 1972. In common sense, one who was born in 1972 is not worth in duty for the XXXX in any country except those who are high ranking. And I am a XXXX nationality ; therefore, logically, I can not understand why I am on duty in American XXXX. From all of these, it is clear I am not in the military ; therefore, the active-duty alert is not appropriate for a XXXX nationality and a person born in 1972. What I requested was to explain why you added this statement. As far as I understand on any legal paper, if the content says a statement, it must be made and written by the person in question himself/herself ; therefore, it should not be your company. Since you have added this part, you have received some statement from somebody. Since I know myself, I did not ask you to add, you must have known and acknowledged this person. If correct, then, your company had some part to cause me to add myself Fraud Alert in the end. If you believe yourself, you are not in part to cause this legal issue, you need to clarify the excuse legally to me. And, since you and another credit report company have created the condition which might be suspicious to cause the legal issue, identity theft, the fraud alert should not be removed. That was the reason I asked to extend the fraud alert. Therefore, I did not ask you to remove fraud alert itself. I request strongly not to mention any more these issues. 

Sincerely,

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 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
1, the consumer and natural person, was denied credit by Goldman Sachs Bank USA when I applied for the Apple Card. Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691 ( a ) ( 3 ) and 15 U.S.C 1691 ( c ) and is pursuant to civil liability under 15 U.S.C 1692 ( k ). You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by the Goldman Sachs Bank USA due to the response I received. Goldman Sachs Bank USA is in violation of 15 U.S.C 1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my securities were used and I received no benefit. This is proof of fraudulent activity and securities fraud on behalf of Goldman Sachs Bank USA. If Goldman Sachs Bank USA fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Goldman Sachs Bank USA criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681 ( n ) and 15 U.S.C 1681 ( o ). I am sending this letter because Goldman Sachs Bank USA accepted my credit application but denied me credit. I will also follow up with an invoice for said violations ( { {$10000.00} } ) per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo is violating regulation-E and attempting to hold me liable for fraud. I reported it in XXXX when it occurred and assume the bank did their job, but due to gross negligence the fraud report was not filed correctly. While doing my taxes I noticed that it had not been resolved and refiled again in XXXX. However, it was done wrong again and again and again. It finally escalated to the executive office where they have been arguing with the fraud team as they are trying to hold me liable for fraud. Their XXXX excuse is that I continued to pay my credit card bills, which of course I did as I thought that Wells Fargo has handled the fraud. Sadly this seems like its yet another instance of Wells Fargo being dishonest and unprofessional while violating federal regulations. 

There are charges for a dentist, lawyer, and handful of other things that are not me and in excess of {$10000.00}. I have not seen a dentist in the US other than my dentist in XXXX, that has been my dentist my whole life. Wells Fargo has a very long tradition of dishonest business practice, hence why they have had so much legal trouble.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was a victim of the 2017 Equifax data breach after years of calling and stress and having Equifax to come back to say incomplete and saying theres nothing they can tell me. I have suffered through this struggle because of this data breach. Please see attached. I have sent them receipt 's and time spent because of this. I would like to request remedy ASAP of $ XXXX if not I would like to know what my next steps are because this is unfair and fraudulent information given out. Can someone provide me attorney name who did the classsction?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 2023-12-05 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: CA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I hope this letter finds you well. I am writing to dispute and request the immediate removal of fraudulent accounts from my credit report. These inaccuracies are adversely affecting my overall credit standing and have a significant impact on my credit score. 
I recently obtained a copy of my credit report from your bureau and discovered several accounts that are inaccurately reported due to fraudulent activities. The presence of these fraudulent accounts is unjustly damaging my creditworthiness, and I am seeking a resolution to rectify this situation. 
Below are the details of the disputed fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These fraudulent accounts have a direct and negative impact on my overall credit score, making it difficult for me to secure favorable terms on loans or credit. I believe that, according to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request the removal of inaccurate information from my credit report. 
I kindly request a thorough investigation into this matter and the prompt removal of the disputed fraudulent accounts from my credit report. I understand that, under the FCRA, you are obligated to investigate and correct any inaccuracies on my credit report within 30 days.

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