vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-27 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
dispute case : XXXX On XX/XX/2023 i purchase some sneakers in the amount of {$950.00} USD from the merchant XXXX i recieved my package on XX/XX/XXXX and opened it to find out that i recieved the wrong item. i immediately contacted the merchant to send back the item so i can get the one i had originally ordered. The merchant never replied and said in there emails it was due to a long volume of messages which in my assumption are similar to my case. Once i waited enough time i had filed a dispute with XXXX  to retrieve my funds, i have never filed a dispute and thought it would be simple. however my dispute was denied for no reason as they failed to take my evidence despite me seeking assurances that they will ( will provide photos of conversations with customer support agent ) the proof i sent is all the information they need ti know that i recieved the wrong items the response from the merchant failed to acknowledge the different item and im pretty sure was not reviewed by a person because this is evidently clear that the merchant was at fault and failed to reply. i ordered a pair of XXXX XXXX XXXX in size XXXX and recieved a pair of XXXX XXXX XXXX XXXX  sneakers in a completely different size ( XXXX ) i will be attaching photos of the item i recieved the email i would send to the merchant, confirmation wmail as well as chats with the goldman sachs XXXX. This dispute process is highly flawed 1. they never requested any evidence i had to reach out and ask if they can take it and if they will because this is a costly amount for me. 2. when i did submit the evidence i seeked assurances that they would take it and they didnt. 3. i tried to appeal and theyre requesting information unrelated to my dispute asking for a 3rd partys opinion on the services performed which gives me the sense that this isnt anyone reviewing my case and its being automatically denied. I was never asked for any evidence the first time around and got denied and now that im appealing it are asking for information unrelated to my dispute. this is a product i ordered how can a 3rd party review it. nevertheless i submitted everything i need to and am asking assistance to get in contact with the right people so they can review it and see that i am not at fault because this is a very costly item for me. I kindly ask the decision be over turned and the evidence be considered thank you for your help, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-27 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: SC

Complaint narrative:
I recently review my consumer report on XX/XX/2024, I noticed that the CRA 's has furnished debts I do not owe. According to 15 USC 1681c-2 ( a ) Block Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These accounts are a result of Identity theft and if you continue to furnish this fraudulent debt you will be violating federal law. I have never entered into a consumer credit transaction with these companies. You do not have any contracts bearing my signature granting them the authority to collect any money from me. I want this account deleted immediately. I have provided my identity theft report as well to support my claim along with my proof of identity. 
Here are the accounts I am referring to. 
XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX I XXXX XXXX submitted a fraud claim, Claim # XXXX for unauthorized activity regarding charges that were made from a foreign country primarily in XXXX and XXXX. I am a XXXX XXXX XXXX woman and am not computer savvy. I can assure you i did not make those charges in those countries. BOA stated the denied my claim because I stated a charge was authorized on a specific date. I am not tech savvy and I might have accidently stated that a charge was authorized when they sent it to my email. It is very difficult for an American citizen to be in XXXX so I don't know how my car was used there. I am requesting a provisional credit for all unauthorized activity on my account immediately per Regulation E guidelines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-27 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: CA

Complaint narrative:
DELETE FRAUDULENT HARD INQUIRIES : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: NH

Complaint narrative:
My son received a VanillaGIft card from his grandparents. He saves these cards for larger purchases. They are sealed and sitting in a box in our posession. Recently he tried to use a card that was originally purchased on XX/XX/XXXX but was depleted on XX/XX/XXXX. The expiration date on the card is XX/XX/XXXX. We put in an appeal to the company ( case XXXX ) and were denied because it has been over a year since the card was used. If the card does not expire until XXXX there is an expectation that the funds will be on the card when the cardholder goes to use it. My daughter also recently tried to use a couple of her gift cards from the same company and they were also depleted by someone else. This appears to be a common issue with this company. My son would like his {$50.00} that his grandparents gave him for his birthday. Thanks so much for yoru assitance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Charge Offs are income. Congress states no income can be reported on ones consumer credit reports. According to 15 USC 1681 ( 2 ) ( a ) ( i ) no transactions or experiences can be reported. Income is transactions and experience. The IRS expects you to file it on your tax return as income. I should've received a 1099C or 1099A which I havent. 

NEVER gave any consumer reporting agency WRITTEN CONSENT to put anything on my consumer report which violates my rights as a federal protected lumer. NO CONSENT IS IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: CA

Complaint narrative:
Equifax has continued to report that is not mine. Equifax shows a closed account from XXXX XXXX. I have sent several letters to have this account removed from my credit report. My Equifax information was part of the data breach and my personal. I demand that this account be removed immediately. XXXXXXXX XXXX account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ) intends to use the information for employment purposes ; or

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I am writing to express my dissatisfaction with the recent experience I had with Capital One Bank concerning the advertised bonus for opening a savings account. 

As per the promotion, I fulfilled all the requirements by depositing {$100000.00} into a Capital One savings account and maintaining it for at least XXXX months. However, instead of receiving the advertised {$1500.00} bonus, I only received {$750.00}. 

Upon reaching out to customer service to inquire about the discrepancy, I was informed that only qualified money from external banks qualifies for the bonus, and transfers from a Capital One checking account are not considered as " new money. '' While I understand the bank 's policy, I transferred the funds into my Capital One checking account from an external bank before transferring them into the savings account simply for ease of transaction. In my understanding, the checking account served as a transfer station, and the funds originated from an external source, thus qualifying as " new money. '' I am puzzled by the definition of " new money '' used by Capital One and feel that my actions met the criteria outlined in the promotion. Despite explaining my perspective, I was informed that no exception would be made. 

I am reaching out to request a thorough review of this matter and reconsideration of the bonus eligibility criteria. 

Thank you for your attention to this matter. I look forward to your help and a resolution to this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-27 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 XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XX/XX/year> DEAR EXPERIAN I XXXX XXXX HAVE WRITTEN THIS LETTER TO DISPUTE A CLAIM THAT IS FALSELY LISTED ON MY CREDIT REPORT WITH YOUR BUREAU. THE AMOUNT ( XXXX ) OWED ARE NO LONGER OUTSTANDING FOR THE FOLLOWING ITEMS : PARTY OWED : XXXX  AMOUNT : {$1000.00} PARTY OWED : XXXX AMOUNT : {$1200.00} PARTY OWED : XXXX XXXX XXXX XXXX  : {$1300.00} PARTY OWED : XXXX XXXX XXXX XXXXXXXX AMOUNT : {$800.00} PARTY OWED : XXXX AMOUNT : {$210.00} PARTY OWED : XXXX XXXX SERVICES AMOUNT : {$120.00} PARTY OWED : XXXX CREDIT AMOUNT : {$13000.00} PARTY OWED : XXXX  AMOUNT : {$2000.00} PARTY OWED : XXXX AMOUNT : {$720.00} PARTY OWED : TD XXXX XXXX AMOUNT : I AM DISPUTING THIS CLAIM DUE TO, I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY THIS IS MY OFFICIAL REQUEST TO HAVE AFOREMENTIONED ITEM TO BE DELETED OFF MY CREDIT REPORT. ENCLOSED MAY BE ADDITIONAL EVIDENCE TO SUPPORT MY CLAIM SSN XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/2023 EXPERIAN XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
According to XXXX XXXX XXXX XXXX, XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ).

LVNV is repeatedly reporting charge-offs every month and the information is inaccurate across all three credit bureaus. Every time this account updates the statute of limitations is extended. Every update makes the account look newer than it is. REAGING THE ACCOUNT IS ILLEGAL!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these accounts and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these accounts and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX XXXX Account XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
on XX/XX/2024 an unlawfully placed unauthorized inquiry was placed on my credit report, resulting in damage to my credit score and reputation. This has made it challenging for me to access credit and provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: Stellantis Financial Services US Corp.
State: CA

Complaint narrative:
on XX/XX/2024 an unlawfully placed unauthorized inquiry was placed on my credit report, resulting in damage to my credit score and reputation. This has made it challenging for me to access credit and provide for my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Wanted my credit card information and demanded my XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: NY

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: NY

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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:
XXXX XXXX XXXX  XXXX AND XXXX XXXX XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX XXXX Transunion XXXX XXXXXXXX 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