vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I paid off the Goldman Sachs ( GS ) credit card. The following month, I checked the balance to make sure there were no last statement interest due. At that time, I saw there was a balance of about {$3000.00}. There were thousands of transactions with most of them being under {$1.00}. Knowing this was fraud, I called GS. Over the following 9 month, I fought with them to get all those transactions removed. During those 9 months, I did not make payments on the card because it was fraud and not my responsibility. Because I did not make payments, they reported to the credit bureaus that I was 120 days late. At the end of the 9 months, they resolved everything except {$140.00}, which they charged off and reported the charge off to the bureaus. XXXX of XXXX  I began the dispute process with GS and the credit bureaus. Each resolved dispute states that GS is reporting correctly. Now, technically, they are reporting correctly because I was not making payment and the {$140.00} was charged off, however, that was all a result of fraud and should never be on my credit reports. 

I filed a complaint in XXXX  with CFPB and the 120 late payments were removed, but the charged off is still showing on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I have a checking account with M & T bank and I wanted to close it. However, the bank refuses to close the account due to a minimal balance of only XXXX XXXX. I requested them to send me a check and close the account, but they declined, which is not a common practice among most banks when there is any balance remaining.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are 8 open accounts with XXXX so I am going to group all of them together rather than doing 8 accounts. 

Pursuant to 15 USC 1692c. ( C ) ( 2 ) AND THE FAMILY AND EDUCATION Privacy Act of 1974. I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out the balance on this account Deletion from all consumer reports Pay {$48000.00} in Civil Liability in accordance to 15 USC 1692k ( 48 various reports ) and an additional {$5000.00} in mental anguish for having false information/income on my credit report causing me to be denied credit. Totaling {$53000.00} in damages.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are 8 open accounts with XXXX so I am going to group all of them together rather than doing 8 accounts. 

Pursuant to 15 USC 1692c. ( C ) ( 2 ) AND THE FAMILY AND EDUCATION Privacy Act of 1974. I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out the balance on this account Deletion from all consumer reports Pay {$48000.00} in Civil Liability in accordance to 15 USC 1692k ( 48 various reports ) and an additional {$5000.00} in mental anguish for having false information/income on my credit report causing me to be denied credit. Totaling {$53000.00} in damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are 8 open accounts with XXXX so I am going to group all of them together rather than doing 8 accounts. 

Pursuant to 15 USC 1692c. ( C ) ( 2 ) AND THE FAMILY AND EDUCATION Privacy Act of 1974. I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out the balance on this account Deletion from all consumer reports Pay {$48000.00} in Civil Liability in accordance to 15 USC 1692k ( 48 various reports ) and an additional {$5000.00} in mental anguish for having false information/income on my credit report causing me to be denied credit. Totaling {$53000.00} in damages.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have not made these accounts and strongly suspect they are fraudulent. Please do a thorough investigation and remove them from my credit report immediately. I have provided evidence to support my claim.

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 2024-04-08 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: TX

Complaint narrative:
I understand that as per FCRA 605B, it's essential to remove any erroneous accounts from my credit report. Could you please review the documents? I've noticed that several of the listed accounts seem to be inaccurate, and this is worrying 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 non-monetary relief
Consumer complaint received 2024-04-08 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: GA

Complaint narrative:
I have sent two certified letters to the bureau requesting that undeliverable addresses be removed from my report, to no avail. In response, I received two emails stating that the letters appeared to have not been authorized by me and that as a result, no action would be taken. The letters included copies of my driver 's license, social security card, and proof of address. In addition, my name is incorrect, which should have been corrected having my supporting documents.

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 2024-04-08 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I was scammed buying auto parts charged and never received. XXXX XXXX branch manager and I discussed about this for an hour and i left emails and such pertaining to this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am writing to request the removal of a debt entry from my credit reports. 

Account Details : Creditor : JPMorgan Chase XXXX : {$4300.00} Account Number : XXXX JPMorgan Chase has written off this debt, and I now seek the deletion of this entry from all three major credit bureaus. In light of the recent financial scandal involving JPMorgan Chase and XXXX XXXX, which led to a substantial XXXX, it is in the best interest of JPMorgan Chase to avoid additional negative publicity by addressing this matter promptly and fairly. 

I expect this entry to be removed from my credit reports without delay. If necessary, I am prepared to escalate this issue to ensure my rights as a consumer are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: PR

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account Number XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-04-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Marcus : by Goldman Sachs opened an online savings account in my name without my knowledge or permission. Upon receiving statements in the mail, I contacted their customer service line to request that the account be closed. No action has been taken by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/24 we deposited {$730.00} into our checking account. When we went to pay for our car tags our card was declined. We went to bank ATM and could not withdraw funds. We went inside the bank and was informed there was a hold on our account due to it being overdrawn. This has never happened before when we had been overdrawn. Then we were told our money would be available the next day, Saturday, it wasn't and when we again contacted the bank we were told that it would be late Sunday or Monday morning when bank opened. As of XXXX XXXX  on XX/XX/24 we still can not access our funds, we have been told now that it maybe Tuesday or Wednesday before funds become available. Our creditors want to be paid and this will make us late on payment and even cause repossion of products we need. This is highly unacceptable, and we should not have to wait 3 days for money. Also we should not be charged for mobile deposits, which are never the XXXX but our checks are always the same mount. Regions Bank is the worst bank ever.

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 2024-04-08 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-08 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: CO

Complaint narrative:
On XX/XX/2024, XXXX transactions were made in my Wells Fargo checking account that I did not make. 
XXXX from XXXX XXXX for {$83.00} XXXX from betway.com for {$290.00}. ( those were all credited back ) XXXX from XXXX XXXX for {$2500.00} ( that charge is no longer visible on my account ) XXXX from XXXX XXXX XXXX for {$2600.00} Wells Fargo told me that XXXX XXXX XXXX told them these were all credible charges by the consumer. I spoke with XXXX XXXX XXXX and they have no record of me having an account and told me Wells Fargo should handle this. 

I have filed at least XXXX claims and have spoken to many people at wells fargo. Each time I am told a different story. I have opened multiple tickets and have repeatedly been told that they are unable to locate the tickets and continue to tell me the case is closed. 

None of this makes sense. My Wells Fargo bank account was cleaned out in about XXXX minutes and I immediately called Wells Fargo and asked them to decline the pending charges and they refused. 

I spent an enormous amount of time, since XX/XX/XXXX, trying to resolve this matter. The conversations are repetitive and get nowhere. All of the conversations are recorded. 

This is a significant amount of money for me. I am a school teacher and live paycheck to paycheck and really need some help

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 2024-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am writing to bring to your attention an entry on my credit report that is inaccurately reflecting my financial status. 

Account Details : Creditor : Capital One Balance : {$4300.00} Account Number : XXXX Capital One has written off this debt, yet it remains on my credit reports, causing significant damage to my creditworthiness. As a lone consumer facing a financial giant, it is disheartening to see such practices continue, especially when companies like Capital One have profited immensely at the expense of individuals. 

I request that Capital One take immediate action to remove this entry from my credit reports. If this issue is not resolved, I am prepared to escalate the matter to ensure my consumer rights are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
To whome it may concern ive requested documentation from Experian on a account and public record, the public record isnt mine and the account with InFirst fcu Experian says Im late Ive called the bank XXXX XXXX the manager of the loan department says no you arent lat nor have I ever been late experian is also showing the account was closed and transferred in XXXX of 2023 this account was paid in full on XXXX the other XXXX bureaus have all the correct information Experian does not comply with the FCRA LAWS by law they need to have and show documentation of there investigations and findings and supply them when asked by the consumer! The public record isnt mine Ive reached out to lexis nexus the dont have nor show a bankruptcy on file or that Ive ever filed experian still refusing to remove it XXXX and XXXX XXXX has no public records on me as they shouldnt i need this to be fixed resolved and removed from my credit file asap It has cost me lots of money and problems. 
My next step will be intent to sue on every violation on my experian report Also According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please have them remove the public record and update the XXXX XXXX  account immediately the XXXX account in question has a starting balance XXXX thank you for your time

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 2024-04-08 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: TX

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-08 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation