vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Goldman Sachs illegally and fraudulently processed a second unauthorized transfer associated with a Goldman Sachs XXXX from my bank linked personal account in the amount of {$8200.00}. The first illegal transfer of {$13000.00} was investigated per the response and case number below and funds returned, indicating a known major security breach at Goldman. 

XX/XX/XXXX a transaction was processed for {$8200.00} to my personal checking account with the description " WEB GOLDMAN SACHS XXXX COLLECTIONS ''. We have subsequently frozen all linked bank accounts and my personal bank has launched another investigation and I have provided FBI authorization to investigate and prosecute. 

I also notified Goldman Sachs fraud investigation unit and after explaining the detail literally 5 times over one hour they assigned case number.

i also requested all accounts be closed and funds and interest to date returned. 

These major security breaches need to be investigated and resolved- this repeating issue has resulted in personal damages, financial losses and mental stress. 

The original response is not accurate in that 1 ) Goldman did not attempt to contact me 2 ) the account was obviously not restricted by the bank.

Original response is noted below : CFPB Response XXXX # XXXX ( Rec 'd XX/XX/2024 ) XXXX by Goldman Sachs , a brand of Goldman Sachs Bank USA ( the Bank ) , received the above-referenced complaint via the Consumer Financial Protection Bureau Complaint Portal on XX/XX/2024. The Bank appreciates the opportunity to address the concerns raised by XXXX XXXX ( the Customer ) related to an unauthorized transaction from their external bank to their Certificate of Deposit ( CD ). On XX/XX/2024, the Customer contacted the Bank about an unauthorized transfer from their linked external account to their CD. Subsequently, the Bank opened an investigation and identified security concerns regarding the Joint Owner and restricted the CD until the security concerns could be resolved. On XX/XX/2024, the Bank attempted unsuccessfully to contact the XXXX XXXX to resolve the security concerns, thus the security concerns remained. The following day the Bank reversed the unauthorized transfer. The Bank requests the Joint Owner to contact the Bank to clear the security concerns. The Bank may be contacted toll-free at XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Based on the above details, the Bank kindly requests that this complaint to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX, this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRTTEN instruction of the consumer whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding the removal of the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. The following inquiries were not authorized by me and I request removal : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
Phone calls on various dates. The company gave several different answers. They charged it off and threaten me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: NY

Complaint narrative:
Experian and XXXX has unknown inquiries on my credit report and its holding me back from loans mainly from experience. I cant obtain anything and experience  loads inquiries on my credit report for no reason I do have evidence. My experian credit report doesnt add up with my XXXX XXXX or XXXX credit report so therefore, experience is all the way in wrong for them to have my credit score like that also its giving me and my family mental anguish. I cant even get a proper loan from anywhere having car problems. Im back on rent and its a lot of other things thats going on in my life this just top it off and I just want remedy tired of looking at my credit score because experience thats the only one thats low. The other two are proper experience has wrong information and they miss using my credit score and information which is putting mental on me and 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 2024-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: GA

Complaint narrative:
They said " investments are not their concern ''

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 2024-06-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Solar Mosaic LLC
State: GA

Complaint narrative:
We are dealing with MOSAIC Financial Services Company. We wanted to pay off the loan amount early. We received a payoff quote. Once we received the quote, we returned the payoff amount without delay. Once we paid the amounted quoted, the finance company sent another statement indicating that we needed to make additional payments of {$120.00} and {$150.00}. Which is a concern. We addressed this with the company, but they did not give us a reason for the additional amount. Also, we have another concern. In the statements there was another charge for late payment. Which was a problem, because we had agreed with the company to have the payment automatically deducted from our checking account to reduce the amount of interest paid. The amount the finance company was asking us to pay was {$1100.00} and {$3800.00}, We addressed this with the finance company, but they refused. I have one statement to attached, but was unable to retrieve the other because the finance company shut down my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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 SUBMITTED SEVERAL DISPUTES TO THE CREDIT BUREAUS AND THEY REFUSE TO REMOVE FRAUDULENT ACCOUNTS ON MY CREDIT FILE AS WELL AS PERSONAL INFORMATION THAT IS NOT MINE THIS IS NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THIS IS NOT MY SOCIAL SECURITY NUMBER AS WELL ENDING IN 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 2024-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: IN

Complaint narrative:
I went to XXXX XXXX XXXX XXXX  and had insurance through XXXX XXXX XXXX XXXX and they still put {$3000.00} worth of debt of collections on me and it's affecting my credit score but I have had XXXX XXXX  The insurance is called XXXX XXXX XXXX XXXX XXXX have had it for over 15 years member ID XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Amex giftcard not accept anywhere, tried XXXX, XXXX, adding to XXXX, etc Being told security code is missing or declined by bank despite putting in right information

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
XXXX I noticed XXXX XXXX  reported I had a credit card balance with capitol one. I submitted a dispute through XXXX XXXX and called XXXX XXXX. XXXX XXXX said I had open a credit card in California, I explained I lived in XXXX  Idaho and had no knowledge of this account. The representative starting rambling off all charges made on this account, so I ask if I could get a copy of signatures because I know its not mine. He said no because none of the purchases required a signature. So I asked for proof of payment again I was told no. Ive filed complaints XXXX times and nothing has come out of any. This is not my account and Im receiving no assistance having it remedied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had given a friend {$100.00} through XXXX XXXX that friend then proceeded to set up an account in my name without permission and took {$2000.00} from my checking account. I didn't give him my pin number but the bank said it wasn't fraud and refused to refund the money.

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 2024-06-22 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2024-06-22 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: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX, this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRTTEN instruction of the consumer whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding the removal of the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries were not authorized by me and I request removal : XXXXXXXX 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 2024-06-22 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: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX, this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRTTEN instruction of the consumer whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding the removal of the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following inquiries were not authorized by me and I request removal : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-06-22 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: MS

Complaint narrative:
I have made multiple attempts to contact these companies listed in the report submitted. I have tried to maintain a healthy credit history but the below have hindered me and many ways. I have been unable to obtain XXXX and student loans.  I have suffered tremendous loss in the last year and this has been one more thing that I have had to deal with. Having accounts opened in my name that are not otherwise mine is very damaging. I need your assistance to rectify this matter.

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 2024-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have attempted to get late payment history that is incorrect removed from credit report. The late payments reported was during covid on student loans during time when loans were in deferment. Most recent late payment with XXXX was placed in forbearance then IDR and has not been reflected on credit report as such. XXXX has reported late payments but unable to furnish when I was late as these are in IDR plan as well. These have been damaging to my credit and made it hard for me to obtain new lines of 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 2024-06-22 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: NH

Complaint narrative:
Re : Dispute of Inaccurate Disclosure under Truth in Lending Act ( TILA ) Account Name : XXXX XXXX Account Number : XXXX I am writing to dispute inaccurate and incomplete information reported on my credit file under the Truth in Lending Act ( TILA ) regarding the account referenced above. The following discrepancies and omissions have been identified in my credit report : # # # Specific Issues Identified : 1. **Inaccurate Credit Limit : ** The reported credit limit for this account is {$0.00}, which is inaccurate. The correct credit limit should be updated.

2. **Missing Original Creditor Name and Creditor Classification : ** The original creditor name and creditor classification are not reported, which is required under TILA.

3. **Omitted High Credit : ** The high credit amount is not provided, which is essential for accurate credit reporting.

4. **Incomplete Account Dates : ** The date of last activity is missing, which affects the completeness of the credit report.

5. **Negative Available Credit : ** The available credit is reported as $ XXXX, which is not accurate and needs clarification. 

6.Inconsistent Reporting : The payment history shows non-consecutive and inconsistent reporting of delinquency statuses ( e.g., ND for several months and abrupt jumps to CO without clear progression ).

7 Missing Data : Several months lack any data, which affects the completeness and accuracy of the payment history.

8. Erroneous Statuses : The status changes appear abrupt and do not align with the standard progression of delinquency reporting.

These issues are in direct violation of the FCRA, specifically : - **Section 1681e ( b ) : ** " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' - **Section 1681i ( a ) : ** " If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer... the agency shall ... conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate... '' Enclosed with this dispute a copy of the section of my credit report highlighting the disputed items as a document to support my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: SD

Complaint narrative:
My PayPal account was compromised by unauthorized individuals. The perpetrators executed two substantial transactions, funneling funds through various PayPal accounts to obfuscate their trail. This activity is entirely inconsistent with my typical usage patterns. 

Details of Unauthorized Transactions : Transaction 1 : XX/XX/24 - {$4800.00} Transaction 2 : XX/XX/24 - {$990.00} These transactions were significantly higher in value compared to my usual PayPal activity, which is predominantly for small family-related payments, never exceeding {$100.00}. 

Dispute with PayPal : Upon discovering the fraudulent transactions, I promptly filed a dispute with PayPal. Unfortunately, PayPal dismissed my claim, asserting that the transactions were consistent with my regular activity. This dismissal was made despite the clear discrepancy between the fraudulent transactions and my typical PayPal usage. I am now facing chargebacks and bank reversals for transactions I never initiated. I have filed disputes for both transactions. 

Now, PayPal has turned over {$4800.00} ( Transaction ID XXXX ) to a private collection agency, XXXX XXXX XXXX XXXX, to attempt to get me to pay it. I do not owe this money, and I insist that all debt collection activities cease immediately. I will be updating the FBI regarding the collection activity. 

I insist that debt collections for this fraudulent activity cease immediately and that any reporting to any and all credit bureaus be corrected and stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2024-06-22 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: MS

Complaint narrative:
I have made multiple attempts to contact these companies listed in the report submitted. I have tried to maintain a healthy credit history but the below have hindered me and many ways. I have been unable to obtain housing and student loans. I have suffered tremendous loss in the last year and this has been one more thing that I have had to deal with. Having accounts opened in my name that are not otherwise mine is very damaging. I need your assistance to rectify this matter.

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 2024-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I LOOKED AT MY CREDIT REPORT BACK ON XX/XX/year>, AND NOTICED SOME THINGS ARE INCOMPLETEAND NOT ACCURATE. AND ACCORDING TO THE FAIR CREDIT REPORTING ACT WHENEVER A CONSUMER REPORTIG AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE THE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. THESE ACCOUNTS, XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, ARE NOT COMPLETE AND ACCURATE. AND ONE MORE THING ACCORDING TO 15 U.S.C. 1681S-2. A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PEROSN KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATIONS INACCURATE

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