vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 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: NJ

Complaint narrative:
This dispute stems back from XX/XX/2022, I ordered 3D printer filament and used my apple card as payment. The filament was marked delivered by XXXX, but I never received it and my XXXX XXXX XXXX didn't show any delivery either. On the rare occasion this has happened to me, my credit card company backed me up because I truly never received the merchandise. Not to mention it was around holiday season which everyone knows delivery mistakes occur more around that time then regular. I have disputed it with apple card 4x and every single time they do not help me at all. 

" Dear Apple Card, Not sure what information I can provide besides confirming that I did not receive the delivery as stated by XXXX. 

I honest to god did not receive the printer filament that I ordered. It is demeaning to have to file the dispute several times because someone can not comprehend the item was misdelivered during XXXX time last year. Insane this is still pending, very dissatisfied with apple cards protecting my purchases. 

Please let me know if you need anything else. 

Best, XXXX ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31 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: IL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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:
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. 

has violated my rights. Or a list of inquiries : 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 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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax, Please unlock my account so I can lock in, freeze, and unfreeze my account, as well as get credit reports. 

I have called numerous times, and no one can resolve my issue. 

Attached to this complaint are : drivers license social security card address complaint screen shot of whats happening Fix this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: AP

Complaint narrative:
1. XX/XX/2023 : I received an email from CHASE Bank stating that they received my application for a new credit card Unlimited freedom. 
2. XX/XX/2023 : I contact Chase Verifications department and notified the representative that I did not submit the application, and requested information on who requested this application which they did not disclose. The representative closed the application and informed me they would sent an Identity protection kit to my address. 
3. XX/XX/2023 : I received a 2nd email from CHASE Bank stating they received my application for a new credit card. 
4. XX/XX/2023 : I contacted all 3 credit bureaus ( XXXX, XXXX, XXXX ) and placed a credit freeze and fraud alert.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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: NY

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. 

has violated my rights. Or a list of inquiries : 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 2023-10-31 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: NY

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.

has violated my rights. Or a list of inquiries : 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 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 2023-10-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: MI

Complaint narrative:
I opened a savings account with XXXXXXXX XXXX ( an online bank that is a division of the First National Bank of Omaha ) in early XXXX and deposited {$20000.00} almost immediately. 
On XX/XX/23, I received an email stating that my account had been restricted due to " activity that requires further evaluation '' and that someone would contact me. The money was transferred out of my XXXX checking account, into XXXXXXXX XXXX, on XX/XX/23. On XX/XX/23, I emailed XXXXXXXX XXXX to ask why no one had yet contacted me. I received a response on XX/XX/23 that my inquiry was being sent to the correct team. No one contacted me. I followed up on XX/XX/23, as I had yet to be contacted, again demanding that someone reach out to me about the steps needed to remove the restriction from my account. It is now XX/XX/23, and I have yet to be contacted, and my account is still restricted. I have not had access to my {$20000.00} for 48 days now.

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 2023-10-31 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: MI

Complaint narrative:
I leased a car in XXXX through XXXX XXXX XXXX ; in XXXX XXXX Michigan, For 4 years the lease was up in XXXX of XXXX. 
When I turned the car in, they reported on my credit that I owed money, which was not true. The car had a device on it which shuts the car off if I was a couple days late, I was in an agreement to pay the note every week, so it was no way possible I was able to drive to turn a car in that I allegedly owed a balance on. However I hired a lawyer because they attempted to sue me for a balance I didnt owe. I showed receipts and my lawyers got the case dismissed. They were suppose to just update the account, but instead they deleted the account, so now it looks like I never had a leased vehicle. I want my credit history placed back on my account correctly, i worked hard to pay that car off for 4 years only for this consonant to rob me of that history, I believe this is retaliation.

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 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-10-31 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: TX

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. 

has violated my rights. Or a list of inquiries : 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 2023-10-31 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:
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. 

has violated my rights. Or a list of inquiries : 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 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 2023-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
After I was informed that the company would not call me on Sundays anymore, I was able to set up a payment arrangement to pay my debt. They said they would not call me at all. I thought that was extreme, but fine with me I can call you, and I have. On XX/XX/2023 I paid XXXX for my car note and on Friday XX/XX/2023. I paid a XXXX payment. 

I am just trying to catch up. I was going to make two payments a month and I found myself short for the payment on XX/XX/2023. I paid more than half. Well, they called me Friday, and Saturday, and the worst day of all Sunday. That was my original complaint. about was Sunday. I was in worship service, and they called I asked the young lady if she wanted to join me in service since it was online. I am so frustrated because previously I allowed them to speak to me any way they wanted and then the calls came consistently on a Sunday when I asked not to do that. I tolerated it a lot.

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 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The person called me with the aforementioned number XXXX and their phone caller ID showed Chase Bank, XXXX XXXX. He spoke very professionally and mentioned my bank account has fraudulent transactions. He said that the way to secure my account was to send a dollar amount to two accounts and to reverse these transactions. One of them was for {$1900.00} to XXXX XXXX and another for {$500.00} to XXXX XXXX through XXXX. This was followed up by a request of {$20000.00}, this is when I contacted Chase Bank to inform them. My money got lost. Chase filed a courtesy claim to refund my loss but voided my request to transfer {$2400.00} back into my account on the grounds that this was insufficient evidence. I tried calling them multiple times and received the same response. XXXX kept transferring me to ChasXXXX. Please help resolve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: MD

Complaint narrative:
This {$100000.00} student loan account has already been disputed with XXXX and resolved as paid in full. The {$100000.00} Forgiven/paid in full as part of Public Service Loan Forgiveness ( PSLF ) Recent payment {$100000.00} as of XX/XX/XXXX. Now the same {$100000.00} has been unlawfully re-aged by MOHELA and XXXX as if owe it again. And re-appeared after it had been disputed and investigated and documented by XXXX as Paid in Full as my new balance and inaccurately as my new balance. Even though as can be seen MOHELA Account information had zeroed everything in my account from Principal Amount {$0.00}, monthly payment {$0.00} Pay off Amount {$0.00} The loan has been Forgiven/paid in full and should be reported as /paid in full to credit agencies Per MOHELA XX/XX/XXXX, Letter : Despite MOHELA XX/XX/XXXX, Letter : Congratulations! The Biden-Harris Administration has forgiven your federal student loan ( s ) listed below with MOHELA in full. This debt relief was processed as part of the Biden-Harris Administrations one-time account adjustment because your student loan ( s ) have been in repayment of at least 20 or 25 years. An adjustment to your account updated the number of payments that qualify towards income-driven repayment ( IDR ) forgiveness. This forgiveness is effective XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This {$100000.00} student loan account has already been disputed with XXXX and resolved as paid in full. The {$100000.00} Forgiven/paid in full as part of Public Service Loan Forgiveness ( PSLF ) Recent payment {$100000.00} as of XX/XX/XXXX. Now the same {$100000.00} has been unlawfully re-aged by XXXX and XXXX as if owe it again. And re-appeared after it had been disputed and investigated and documented by XXXX as Paid in Full as my new balance and inaccurately as my new balance. Even though as can be seen XXXX Account information had zeroed everything in my account from Principal Amount {$0.00}, monthly payment {$0.00} Pay off Amount {$0.00} The loan has been Forgiven/paid in full and should be reported as /paid in full to credit agencies Per XXXXXXXX XXXX XXXX XXXX, Letter : Despite XXXXXXXX XXXX XXXX XXXX, Letter : Congratulations! The Biden-Harris Administration has forgiven your federal student loan ( s ) listed below with XXXX in full. This debt relief was processed as part of the Biden-Harris Administrations one-time account adjustment because your student loan ( s ) have been in repayment of at least 20 or 25 years. An adjustment to your account updated the number of payments that qualify towards income-driven repayment ( IDR ) forgiveness. This forgiveness is effective XX/XX/XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 2023-10-31 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: AL

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.

has violated my rights. Or a list of inquiries : 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 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