vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I opened a savings account with Marcus by Goldman Sachs and had money transferred there from a XXXX online account ( XXXX ). Marcus sent me a letter dated XX/XX/2023 addressed to XXXX XXXX, NJ stating that they closed the account and deposits received will be returned to me. Marcus only returned approximately XXXX of the funds via bank transfer to a XXXX bank account in the name of XXXX. In a letter dated XX/XX/2023 Marcus send a letter stating XX/XX/2023 Account was closed with amount of {$9200.00}. I have called numerous times to Marcus requesting the funds be returned to me. They keep transferring me to different departments and now are saying I am a victim of fraud. The only fraud is on Marcus end with not returning the funds to me as the stated they would. then they claim to have sent a check but no copy of a check can be produced. XXXX XXXX, XXXX  I sent a letter to Federal Reserve Consumer Help who told me to contact Consumer Financial Protection Bureau. I submitted a claim and Marcus response was that it appears to be fraud. As previously stated the fraud is with Marcus who acknowledges they received the funds, acknowledges they closed the account the funds were deposited in, acknowledges the total funds received, acknowledges that they will return the funds. I am attaching letters from Marcus detailing what they acknowledge. I have attached a copy of the overnight delivery envelope from Goldman Sachs, Letters from Marcus, Goldman Sachs detailing amount of deposits they had received, letter from Goldman Sachs detailing that they closed the account and would return ALL deposits received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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:
XXXX XXXX XXXX XXXX XXXX XXXX account should not be on my credit report. The information was incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/year> a fraudulent charge of {$2400.00} was made under my name with XXXX XXXX. I have reported this to XXXX and XXXX an investigation has been conducted and confirmed that I did not purchase this with XXXX. 
I have send confirmations to Amex but there not responding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove the report from my account- it is effecting my credit report and needs to be removed I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability 's 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 explanation
Consumer complaint received 2024-02-20 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I appreciate the time taken to address the fraudulent entries in my file resulting from alleged fraudulent activity. However, there remain outstanding items that require attention. Upon reviewing my updated personal credit report, I observed unauthorized credit inquiries and erroneous personal information persisting. I have already contacted the respective companies to request the removal of these inquiries from my credit profile. Furthermore, I previously requested an investigation into the inquiries listed below on my credit report. I understand your investigation has concluded, confirming my allegations. Therefore, I kindly request the removal of these unauthorized inquiries and the issuance of an updated credit report reflecting their removal. Please send the updated report to the provided address : EXPERIAN : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/XXXXXXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- -- XXXX XXXX -- XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- XXXX -- -- -- -- XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. As per the Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items opened without my knowledge, consent, or authority within four business days, along with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by the consumer; and ( 4 ) a statement from the consumer confirming that the information is not related to any transaction made by the consumer. I will provide my Driver 's License, SS ID, and Proof of Billing as verification of my sole address, along with my new FTC report # 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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My information was compromised during the XXXX XXXX XXXX. I attempted to have falsely reported information removed on XX/XX/year> by contacting the companies directly. XXXX XXXX XXXX ; XXXX XXXX XXXX, and XXXX XXXX XXXX  have yet to remove the data being reported to multiple CRA 's. I am a victim of identity theft and have yet to receive a written validation notice by any of the aforementioned companies.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My information was compromised during the Equifax Data Breach. I attempted to have falsely reported information removed on XX/XX/year> by contacting the companies directly. XXXX XXXX XXXX ; XXXX XXXX XXXX, and XXXX XXXX XXXX  have yet to remove the data being reported to multiple CRA 's. I am a victim of identity theft and have yet to receive a written validation notice by any of the aforementioned companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Paypal won't provide me debit card. When my adress been verified and there's no account limitations. 

I've already linked bank account and my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2024 I canceled my expiring trial, I had to keep jumping though hopes of it trying to get me to keep the service. Yet on XX/XX/2024 I was charged XXXX. I then contacted support requesting a refund, they took 5 days to respond, and stated " When you created your membership and entered your credit card information, you agreed to the terms and conditions that our membership fees are nonrefundable. " and " I will not be able to provide an additional refund. Please refer to the Terms and Conditions of the membership agreement ( www.experian.com/terms ) '' This is an absolutely disgusting practice as they do not even let you delete your credit card info from there website. Not to mention the numerous times they have been hacked and they have sold and lost my information. The address they have is not even correct, this charge shouldn't of even went though,

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 2024-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to address the late payments that are currently listed on my credit report. After reviewing my credit history, I have noticed that there are several instances of late payments reported for the following accounts XXXX XXXX XXXX and 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 2024-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Billing errors were on my report. I was never late on any of my accounts. You can not report inaccurate information this a violation FDCPA false misreporting please update account to current and paid as agreed on time. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. This is for XXXX XXXX XXXX, XXXX XXXX and 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 2024-02-20 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Thank you for reviewing this complaint. On XX/XX/XXXX of XXXX, we were offered a 20 % discount on our product if we opened a XXXX card. We did apply and the application was pending review. We called XXXX when the pending verification letter from Comenity Bank and was transferred to a Comeity Bank representative. That representative said that the offer states that upon approval, the 20 % discount will be applied to the order within 24 hours of approval. Since the pending verification approval letter came in the mail 3 weeks after the application, the company violated their own terms by prohibiting the discount to be applied since the approval was mailed. I did call Comenity and talked to a senior account representative, XXXX. He said to just do a dispute and Comity bank will credit this back to my account. So, under the advisement of the representative, we made the dispute. XXXX said that he would notate the account so there should be no problems getting the amount refunded. We were denied the discount because Comenity is not acknowledging that they made the decision to mail the approval and not instantly approve. This was their error for the discount, not mine. Meaning that it was not possible to apply the 20 % offer to the purchase as promised from their end. Our first purchase was charged for {$730.00}. The total promised discount would have been {$140.00}. This is clearly " bait & switch ''. Our account is now paid off and the card has been cancelled at our request. They also did not send an acknowledgement of the card cancellation request as promised by the Comenity bank representative. We opened the account for not only the 20 % initial discount, but to also receive an additional 10 % vital care rewards on items that we purchase from the store. Our monthly purchased from XXXX are usually around {$900.00}. This could have worked well for both of us. I am requesting a check in the amount of {$140.00}. Kindest regards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit report is currently frozen on Equifax. I need to lift a freeze to apply for a mortgage, which is time sensitive. I requested a temporary lift of the freeze on XX/XX/2024, to end on XX/XX/2024 online via their website. I received a message that they were unable to lift my freeze and that I needed to call their customer service line. It was after hours and so I was not able to call. 

I tried again to unfreeze my credit online today, XX/XX/2024, and it still gave the same error message that they were unable to lift the freeze and I needed to call customer service. I called customer service around XXXX EST, and spoke to a representative. The representative attempted to lift the freeze while we were on the phone, and they were also unable to do so because of an error. They informed me that they could not remove the lift. When I asked why, they said they didn't have access to what the error was. They informed me that I would need to call back again and speak to a different department, but the department was closed for the day and so they couldn't lift the freeze today. I need this freeze lifted as soon as possible because I need to apply for a mortgage as soon as possible as we already have an accepted offer on a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 explanation
Consumer complaint received 2024-02-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
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 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 2024-02-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXXXXXX XXXX XXXXXXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). Said information was shared without authorization nor consent to nonaffiliated third parties,
including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 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 2024-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Your continued disregard for my requests violates the Fair Credit Reporting Act ( FCRA ), which mandates investigation of disputed information. This constitutes a clear violation, subjecting your company to legal consequences. Despite multiple requests to investigate and correct the information, including the following disputed accounts : 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 2024-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : 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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: INSPERITY INC

Complaint narrative:
Adverse Action taken against me due to an error in my background report. Insperity ( the background check company ) reported that I have 3 pending felonies in XXXX XXXX XXXX, however that information is incorrect. I lost my job with XXXX XXXX and have been damaged financially, mentally and emotionally.

Company response to consumer: Closed with explanation