vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 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: OH

Complaint narrative:
I ordered a XXXX extended carseat during XXXX prime day in XXXX and i received a toddler booster seat instead. I reached out multiple times to XXXX and XXXX and no help. I disputed charge with apple XXXX for the {$150.00} was denied. Sent proof of direct email from XXXX stating they apologize for the mishap and prime days are always overwhelming and credit card can refund me but graco cant since bought on XXXX. I have not received refund just lots of frustration. Item i got was {$50.00} and i ordered a {$150.00} carseat.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I, XXXX XXXX XXXX, obtained a personal loan from One Main Financial services in XX/XX/XXXX in the amount of {$10000.00} to cover wedding cost and expenses. Per the contract/agreement The monthly installments amounts of {$430.00}, with a maturity date of of XX/XX/XXXX. 

My final XXXX payments were made in XX/XX/XXXX. A payment in the amount of XX/XX/XXXX a payment in the amount of {$1000.00} was paid to the account. Another payment in the amount of {$900.00} on XX/XX/XXXX was also paid leaving a balance, per XXXX XXXX XX/XX/XXXX account statement, of {$8.00}. 

Recently I received an alert to my credit profile that XXXX XXXX is reporting me as delinquent. I feel that this action has caused me credit denials, decreased my fico score, and overall credit score preventing my likelihood of purchasing a home in the next two months. 

Furthermore, XXXX XXXX, has violated the Fair Credit Reporting Act. More specifically the following : Section 611 - Procedure in Case of Disputed Accuracy : This section outlines the rights of consumers to dispute inaccurate information in their credit reports and the responsibilities of CRAs to investigate disputes. It requires CRAs to conduct a reasonable investigation, notify the furnisher of the information, and correct or delete any inaccurate or unverifiable information.

Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies : This section places specific duties on those who furnish information to CRAs. Furnishers are required to provide accurate information and to investigate disputes regarding the accuracy of information they have provided. It also mandates that furnishers update and correct information that is found to be inaccurate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: CA

Complaint narrative:
On XXXX  I received emails from U S. DEPT OF EDUCATION informing me that my BURROW DEFENSE CASES HAVE BEEN APPROVED. Sweet vs. CARDONA case lawsuit. Pursuant to the SWEET settlement the DEPARTMENT OF EDUCATION are to discharge all federal student loans. On XX/XX/XXXX  I received a letter directly from ED FINANCIAL SERVICES VERIFYING THAT THEY HAVE 100 % DISCHARGED MY LOANS. MY ACCOUNT # IS XXXX. 
PLEASE CALL XXXX. 
VERIFY THE ABOVE INFORMATION AND FOLLOW THE LAW AND DELETE ALL STUDENT LOANS FROM MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH

Complaint narrative:
Ww had an ordeal where the property manager damaged the apartment we left even though we took pictures and etc beforehand tried to collect XXXX dollars for this damage she created with her employee, she denied all accusations and even stole my sons xbox we contacted the credit departments and told them what happened and it was suppose to be removed and so it wasn't on my credit list now fair collections and out has bought it and is trying to claim its their debt after telling us it was purchased by them ... they also called when my wife 2 be was XXXX XXXX XXXX with me due to an XXXX  and threatened us and then told me well this is more important than your wife life so you need to stfu and listen ......

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 2023-11-29 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 received my credit report then I called Experian, XXXX XXXX XXXX in regards to Inquiries and addresses that were being reported on my consumer credit report and I was on wait for a very long time for each consumer reporting agencies before getting the fraud department. After getting through and telling them the situation they would not remove them from my report ( s ). Experian reporting 55 Inquiries & 2 Addresses, XXXX reporting 35 Inquiries & 7 Addresses, XXXX reporting 25 Inquiries. Under US 1681 and 1681n It is my legal write to seek damages moving forward because it has damaged my credit scores tremendously for me and my family. I have uploaded the Inquiry & Addresses parts of my credit report from each Credit Reporting Agencies and pointed & highlighted each one on each 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 explanation
Consumer complaint received 2023-11-29 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: DISCOVER BANK
State: SC

Complaint narrative:
On XX/XX/2023 an application was submitted to Discover for a credit card that was not done or authorized by me. My credit report was pulled and a hard inquiry was done, resulting in my credit score going down. The account was denied and not opened, but someone has my information. I have reached out to Discover, and they are going to change it to a soft inquiry, so it will come off my report in 90 days. I have also notified XXXX of the fraudulent inquiry and they are putting a security notice on my report for the next year, which will also go to XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of this data breach and need these accounts deleted immediately.

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 2023-11-29 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: MD

Complaint narrative:
I am a victim of this data breach and need these accounts deleted immediately.

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 2023-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
wakefield and associates are attempting to collect a debt, they are not authorized to do business in georgia and they have not provided verifiable documentation acknowledging that this is my account. I have no knowledge of such debt. This has caused a negative effect on credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As of XXXX, XXXX, I pulled my Trans Union credit report within accurate fraudulent reporting from XXXX XXXX  with claiming I have a foreclosure XXXX and I do not my father did a reverse mortgage which that was deceiving as well and me and my sister were the power of attorney, why my father passed away, dealing with any assets. So this also means they went through my father 's documents with no permission as well so between Transunion and XXXXXXXX XXXX that's a lot of fraudulent activity please investigate thank you.

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion has been reporting inaccurate information to my report for years dating back to XXXX. In addition to these inaccuracies, I was affected by the settlement involving the FTC tenant screening and reporting of inaccurate information that was announced last month XX/XX/XXXX. In addition to this, there are accounts till reporting that have not been verified. 

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 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Ive had a CHIME account for over a year now with no problems. Two weeks ago, they requested my driver 's license and a w-9 because the IRS couldn't verify my information. I gave it to them. They sent me this email 4 times. I complied. I then called CHIME to verify. I was told the emails didn't come from them. Two days ago, I got a notification that there was suspicious activity on my account, and to check my email for further action. It was the same email asking for my driver 's license and w-9. I have called five times, and they say i will get another email. All of the emails are the same. I have them all saved and can provide them if neccessary. I also let them know that i was recording the phone calls for my own purposes. I have a gentleman saying that they actually DID verify my information, and the reason they haven't unlocked my account is because the company is dealing with heavy workloads right now. I got notifications from XXXX and XXXX that my CHIME has been disconnected from both. I lost over XXXX dollars. This isn't right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: SC

Complaint narrative:
An ex XXXX employee stole my debit card info. I reported it to Wells Fargo and they denied the claim within a day. The amount stolen over a 6 month period was {$35000.00}. Wells Fargo 's claims team stated they couldn't prove i want involved and didn't approve the transactions. Why would I take my own money? 

I filed a police report, told them who i thought it was. The detective investigated and found proof it was her. She was arrested with XXXX charges of financial identity fraud. These are felonies and she could get up to 30 years. The attachment I'm sending is the police report along with her arrest information. She had to have a cash surety bond to be released on bail. 

I contacted Wells Fargo today. The detective brought me the report yesterday. I told them i wanted to reopen the claim now that there's proof. They stated, no they weren't going to reopen the claim and that i should call XXXX. I worked hard for that money for someone to take it and then for my bank to accuse me of being a conspirator. Again, why take my own 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 monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/2023, I received a text message asking if I made XXXX transactions. I replied XXXX, and they sent me a message saying my card was blocked. 

On XX/XX/2023, XXXX transactions using that card were declined for {$27.00}. Another transaction on XXXX XXXX in the amount of {$15.00} via cashapp was also declined. 

However, on XX/XX/2023, a transaction for {$980.00} was approved using the same card that was supposedly blocked. I tried reaching out to the company that processed the transaction to no avail. I then reached out to Wells Fargo. 

They told me that the card was supposed to be blocked but sometimes, a transaction would go through if it was a subscription service. The other XXXX previously declined transactions were subscriptions ( I pay bi-weekly for those ). I explained that if that was the case, the other XXXX transactions should have been approved. 

Of course, I am going to be charged an overdraft fee but didn't they get sued for something like this before? This is beyond frustrating.

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 2023-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: OH

Complaint narrative:
At the beginning on XX/XX/XXXX I setup autopay for my account. At the same time I did make a payment to get ahead of the loan by a little bit for an amount of {$75.00}. On the expected autopay date of XX/XX/XXXX I didn't get charged for my autopay or any email or anything regarding this. ( Note I read somewhere there might be a mandated rate reduction if autopay is enabled unsure here, but I didn't see this if it this is the case ) I didn't have a late payment as I did do a manual payment that met the minimum requred for XXXX. 

Shortly after I setup autopay again but I didn't make a manual payment. Fast forward to yesterday XX/XX/XXXX I didn't get charged again for autopayment and today XX/XX/XXXX I pay the late payment amount and next month in XXXX payment for a total of {$150.00}. 

I got in contact with customer service and they couldn't help me and told me it should be working after XXXX billing cycles, but that wasn't communicated with me in any sense. Plus it had been XXXX billing cycle already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OR

Complaint narrative:
I applied to the SAVE program in XXXX through studentaid.gov because XXXX website was down. They got my application 5 days later and it has been processing ever since. I have gotten XXXX word or updates to why there could be any delays. 
When I called, and asked if this forbearance would count toward my PSLF they said No, which is incorrect. My forbearance has run out as of today with no communication regarding my SAVE application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1681 section 602 A states that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 USC 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.

I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FOWARD TO YOUR RESPONSE.

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 USC 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.

I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FOWARD TO YOUR RESPONSE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1681 section 602 A states that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 USC 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.

I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FOWARD TO YOUR RESPONSE.

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 2023-11-29 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I dialed XXXX to inquire about the declined transactions, and they informed me it was due to suspicious activity. After providing my information and sending documents via fax, I called for updates multiple times. However, they repeatedly hung up while I was providing my card number. Upon reaching a representative, I was informed that my ID was missing, despite having proof of submission. It's been months, and I feel they are engaging in suspicious practices, as evidenced by numerous reports on XXXX  and other platforms. This conduct is not new, and I believe they should face fines for such actions.

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 2023-11-29 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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Opportunity Financial, LLC
State: TN

Complaint narrative:
On or about XX/XX/2017 a lian was taken out in the name of XXXX XXXX. This was then tied to my social security number due to identity theft. This has been stated to opportunity financial. They are now suing me for a debt that was challenged as identity theft. Loan was applied for online in what appears to be Iowa. Loan is not in my legal name. Loan is past the statue of limitations in TN. I strongly urge opportunity financial to assist with marking this as identity theft as other items on my report have been.

Company response to consumer: Closed with explanation