vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: GA

Complaint narrative:
15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered.

The furnisher of the information is also liable under the FCRA under 15 USC 1681s-b ( 2 ) because they were notified of inaccurate and incomplete information on my report, and a proper reinvestigation was not done because the information is still inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered.

The furnisher of the information is also liable under the FCRA under 15 USC 1681s-b ( 2 ) because they were notified of inaccurate and incomplete information on my report, and a proper reinvestigation was not done because the information is still inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered.

The furnisher of the information is also liable under the FCRA under 15 USC 1681s-b ( 2 ) because they were notified of inaccurate and incomplete information on my report, and a proper reinvestigation was not done because the information is still inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
The credit bureaus are continuing to report inaccurate information on my credit reports. The student loans from DP OF EDUC XXXX, DP OF EDUC XXXX, DP OF EDUC XXXX, DP OF EDUC XXXX, U S DPT OF ED/XXXX XXXX, U S DPT OF ED/XXXX XXXX, U S DPT OF EDXXXX XXXX, U S DPT OF EDXXXX XXXX, U S DPT OF EDXXXX XXXX, U S DPT OF EDXXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX , DPT EDXXXX XXXX, DPT EDXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reporting opened when these accounts are closed. 

This has caused so much damage to my credit reports and has hindered me from getting approvals. I have disputed these accounts with the credit bureaus XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 AND XX/XX/2022 and they have not conducted a proper investigation. 

Because it is no way that DP OF EDUC, U S DEPT OF EDXXXX, US DEPT ED, DPT ED/XXXX XXXX XXXX would have verified that these accounts are opened when they are closed. 

I am demanding that the following accounts DP OF EDUC XXXX, DP OF EDUC XXXX, DP OF EDUC XXXX, DP OF EDUC XXXX, U S DPT OF EDXXXX XXXX, U S DPT OF EDXXXX XXXX, U S DPT OF EDXXXX XXXX, U S DPT OF EDXXXX  XXXX, U S DPT OF EDXXXX XXXX, U S DPT OF EDXXXX XXXX, US DEPT ED XXXX, US DEPT ED 4XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX DPT EDXXXX XXXX, DPT EDXXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX be deleted from my reports asap due to numerous violations of the FCRA.

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 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX  has reported my balance incorrect since XX/XX/XXXX showing I owe XXXX the amount I purchased the car at, can this matter be updated correctly, as they haved reported on time payment 's every month but the balance does not reflect that. ( Year XXXX XXXX ) also I have attempted to get this matter resolved with them, and unable to get this understood. 
I was giving a reply they charge a interest per day this just does not seem correct.

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 2023-02-24 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: CA

Complaint narrative:
XXXX XXXX XXXX Marcus Bank  locked and closed my Savings acct. XXXX XXXX said account XXXX is closed and fund {$7500.00} will be mailed back to me to the address on file in a few days. 
XXXX XXXX spoke with XXXX XXXX hold for 50 minutes and supervisor will call me back. Never did. 
XXXX spoke will XXXX and told a manager XXXX will me back. XXXX XXXX called back stating acct is being closed. Fund will be forwarded to my linked external XXXX XXXX XXXX in 1 ~2 weeks. 
XXXX spoke with XXXX. Acct is closed {$7500.00} will transferred to my linked external XXXX XXXX XXXX  - XXXX. 
XXXX spoke with XXXX. He said a supervisor will call me back TODAY to wrap up this case. Never did. 

So far 3 conflicting statement were given to me. 

XXXX supervisor XXXX. She said she closed the acct and transferred the {$7500.00} to my external XXXX XXXX. case # XXXX. Fund will show up to XXXX XXXX  in XXXX days. But it did not happen. 

XXXX supervisor XXXX told me XXXX had some internal error. Fund did not go out before. Fund now transferred out to XXXX XXXX  XXXX XXXX ET with case # XXXX. 

I have not received my money so far. 
Marcus Bank  lied to me over and over and held my money for 2 weeks so far. This is very unprofessional and criminal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC.
State: WA

Complaint narrative:
I am writing in regards to 10 approved but unpaid claims on my HSA account with Optum Financial. The claims were filed more than 7 weeks ago ( between XXXX and XXXX XXXX ) and have all been approved since XXXX. The 10 claims total over {$550.00} and I have called customer care 4 times ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and every time I am given a new case/ticket no. but with zero updates or progress. Previous tickets have been closed without any resolution and every time a new ticket is created with no updates. 

Requesting help with my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
There are fraudulent accounts by this company that were opened in my name as the result of identity theft, I reported this to the XXXX XXXX onXXXX after I reviewed my free annual credit report and saw the accounts on my file. I filed a report case # XXXX with XXXX XXXX XXXX on XXXX regarding this theft and use of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I deposited a check from the irs from my business taxes that had been held for over 7 years and Bank of America closed my account and are currently hold my funds stating that its under fraud investigation although they where cleared and Ive also contacted the irs and have my transcripts showing my information the irs said that the funds havent been returned to them either I feel like my funds are being held to collect interest I would just like my money if the account is closed and the check cleared as of XX/XX/XXXX its now XXXX and Ive had no correspondence from BOA., and Im being forced to involve my lawyer if nothing is settled about my funds.

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 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I have been using Coinbase Debit Card for just under 1 year now. I recently went through all my transaction history and noticed I have 9 transaction dating back to XXXX of 2022 that are stuck in a pending state. Some of these transactions are for gas station fill ups or dining out. With these gas station transactions there is an initial hold put in place for a higher amount of money to ensure that the debit card has enough for the transaction. Shortly after this the correct amount is charged which includes crediting back the different between the hold and actual gas purchase. I understand this. Since these transactions are stuck in a pending state I am not being credited back the difference from the hold. This is also the case for dining out. I noticed I have one transaction stuck in pending and the tip has not been applied which would raise the debit a bit. The transactions I am referring to range from XXXX XXXX to XXXX XXXX. I have had too many communications with Coinbase to even count. Their support at this point useless. They give me the run around or disconnect me from phone calls/chats or ghost me on emails. They tell me this has been assigned to a specialist but i have sent repeated emails to their support email only to get a non-specific canned response. So I have resorted to reaching out to your office for some help and guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have a business account with Wells Fargo. I reported fraud. I called WF to let them know that my purse was stolen with all my information and ID and credit and debit cards, and my cell phone. My business acoount at that time have XXXX balance and WF allowed to this fraudster to used my bedit card and withdraw XXXX on XXXX2023 4XXXX times total amount {$810.00} and WF charge me XXXX for each transaction. And my account is negative right now because I am not willing to pay something i did spent PLUS there was NO FUNDS on my account. I had call WF many times and they told me over and over We denied your claim because we believed ITS not fraud! I email the little proof i have that my purse was stolen and I emailed the information from my verizon insurance were it says they are replacing and send a new phone due stolen device. WF told me we received your email with this proof but still believed its NOT 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 explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I recently pulled my credit report, on XXXX XXXX and I noticed some errors on my account that was totally inaccurate. I then sent dispute letters to all three credit bureaus. XXXX, XXXX and XXXX on XXXX XXXX  and every 30 days up until present XXXX. I asked all three bureaus motioned to please verify and validate the accounts in question and they sent them back as verified. I know they have not done the verification process because the errors still remain on my credit report. There are 2 collection accounts reporting as OPEN and LATE 120 DAYS but it's a COLLECTION account This is a violation of ( 15 ) U.S. code 168i ( 5 ) please assist in this matter. There are other accounts in violation as well. Can someone please assist me with this matter Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE

Complaint narrative:
On the XXXX of XXXX my wallet was lost. I reported the loss to my bank, USAA, immediately as required but by the time I had noticed my wallet was gone, the next day someone had used my card to withdraw approximately XXXX dollars and used it for an unauthorized charge of about another XXXX. I called USAA and froze my card and let them know those transactions where unauthorized transaction. On XXXX XXXX USAA denied my fraud claim stating that pin authorization means that said transactions where authorized by me. This was not the case, I've told USAA that there where six different atms used and everyone one of them likely has a security camera that would show someone other then me withdrawing cash from my account. I have called USAA again but it seems to no avail. All I want them to do is pull the footage from the atms to see it was not me making those transactions, it seems this case would be a very easy one to prove.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation