vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 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: DISCOVER BANK
State: CO

Complaint narrative:
I am a meXXXX. The name of XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX. My customer won a credit card chargeback dispute and kept my material. She got her money back and got a free fence and doesnt have to return the goods. Im speculating that Im not the first merchant she has defrauded. 

On XX/XX/year> XXXX XXXX paid {$3600.00} with her Discovery credit card from a XXXX invoice we emailed to her. The fence material was shipped and installed by XXXX ( she sent us pictures of the fence ). 

On XX/XX/year> XXXX XXXX wanted additional fence products and paid {$410.00} with her Discovery credit card from a XXXX invoice we mailed her. We shipped this out and she received it. 

On XX/XX/year> XXXX XXXX disputed both above charges. Dispute Reason : Goods/services not as described. I offered XXXX to return the goods she purchased for a full refund, but no response. 

On XX/XX/year> XXXX emailed me with this message from the cardholders bank : XXXX XXXX XXXX XXXX, We challenged this payment dispute on your behalf using the information you provided. Unfortunately, the cardholders bank has resolved the case in the cardholders favor. The funds she used to purchase the material from us are now back in your bank, and her fence is installed at her house. 

I dont understand why I lost this dispute but now I just want my material back. Her complaint wasnt that she didnt receive the goods, it was because the goods werent as described. 

My payment processor, XXXX, said theres nothing they can do. I dont know where else to turn to recoup my material. XXXX XXXX XXXX is located in Colorado, and XXXX XXXX is located in NY and dont have the resources to file legal actions against XXXX XXXX 

I hope you agree that people like this should be stopped, but there seems to be no protection for merchants that are trying to do the right thing. 

I would be grateful if you could help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: Credit Karma, LLC
State: CA

Complaint narrative:
Identity theft, filings on my credit report that I do not qualify for. My emails that I no longer have access to were apart of it. I had to delete devices and emails from my accounts to prevent further access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: LA

Complaint narrative:
I became permanently XXXX per the VA on XX/XX/XXXX. 
I applied and was approved for a student loan XXXX  discharge. This discharge had an effective date of XX/XX/XXXX. 
A payment was made to my Nelnet loan account on XX/XX/XXXX in the amount of {$11000.00}. 
I received one refund check ( with no correspondence or information included ) in the amount of {$4500.00} dated XX/XX/XXXX. 
My Nelnet and StudentAid accounts were marked Paid in Full on XX/XX/XXXX. 
As of today I have not received the remainder of the refund owed, {$7100.00}. 
I have called Nelnet multiple times and have been told they can not advise me. I have asked for timelines, if there have been determinations made, amounts, anything and I have not received anything. 
I was also told the Department of Education or US Treasury can not give me any information. I was told the timeline is anywhere from 90 days to YEARS. 
That is unacceptable in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: AZ

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me XXXX Hope you can address this soon, please.

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 2024-12-16 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-12-16 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with 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 non-monetary relief
Consumer complaint received 2024-12-16 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: CA

Complaint narrative:
I never miss payments, so I dont see why there are late marks. Per USC 1666b, errors like this need to be fixed and updated to " paid as agreed. ''

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 2024-12-17 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: IL

Complaint narrative:
It's only coming to me now how I've been declined opportunities, and it's incredibly frustrating to realize that these inaccuracies have been hurting me all along. I never authorized these accounts, yet theyre sitting on my report and unfairly pulling my credit score down

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 2024-12-16 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: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with 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 2024-12-17 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: CA

Complaint narrative:
Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) To Whom It May Concern : I am submitting this FTC to formally report a violation of my rights under the FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) ( ( 15 U.S.C 168 1b ) and applicable provisions of the FDCPA. Fraudulent activity has impacted my FICO credit report, including unauthorized accounts and fraudulent collections that were reported without my authorization. These actions are clear violations of my rights, as the accounts were reported without verification or my consent, resulting fraud. I demand that these fraudulent items be immediately removed from all of my credit reports I request a thorough investigation into how these violations occurred. FTC Report Number : XXXX XXXX XXXX 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 and FCRA 605 ( b ) when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX account number XXXX Please find enclosed the following documents to support my claim :. 
I hereby demand the immediate removal of this fraudulent account from my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) ( 15 U.S.C. 1681c-2 ) and the Fair Debt Collection Practices Act ( FDCPA ). I require that this account be deleted in compliance with these protections, and I expect confirmation of its removal to ensure.

I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes.

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, 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 explanation
Consumer complaint received 2024-12-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom it may concern, I am writing to file a complaint against JPMCB CARD for failing to remove a fraudulent account from my credit reports despite my repeated requests. This account was opened fraudulently due to identity theft. I have attached a police report and an FTC Identity Theft Report as evidence.

The fraudulent account showing on my Credit reports is : Account name : JPMCB CARD Account number : XXXX Under the Fair Credit Reporting Act ( FCRA ), JPMCB CARD is required to remove fraudulent accounts from my credit reports. However, JPMCB CARD has not complied, severely impacting my life and credit. I request your assistance in ensuring that JPMCB CARD complies with the FCRA and promptly removes this fraudulent account from my credit reports. 

Thank you for your attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My credit card has been lost. Proof was presented to Wells Fargo that this was an unauthorized misappropriation of the transaction. 
Wells Fargo did not handle the theft and did not return the stolen amount to me. | Wells Fargo caused my loss. 
Please ask Wells Fargo to return the amount of my money that was stolen. 
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 monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for government benefits and was approved. I had some trouble with getting my card at first. I had to verify my identity in person. By the time I finally received my card someone had taken about XXXX out of my account. I notified BofA that there was a problem and was told the card I received was actually the XXXX card that had been issued. By the next morning my card no longer worked and all my account information had been changed. When this all was said and done with I had only been able to spend around XXXX of my money, I have filed a police report, filed XXXX claims with BofA, was denied both times. I know that someone had my information because my account information had been changed several times. I can provide proof of all of this. Also the claims with BofA were combined into XXXX which resulted in all of the charges being included. This was a mistake or a misunderstanding on the banks end. At some point the bank took the money back out of my account, this was after the second time I had reclaimed control over my account. Then a year later I got a statement in the mail showing charges for that entire period of time. How could the bank allow this to happen. Why would they allow my account information and address to be changed without my permission. My account should have been frozen until the matter could be resolved. I had to fight like XXXX just to spend a small amount my own money. I would appreciate it if someone would please look into this for me. Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX Account Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX account ( Account # XXXX ). Despite prior dispute attempts ( letters dated XX/XX/XXXX and XX/XX/XXXX ), Equifax has not corrected the errors, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Inaccuracy : High Balance : {$200.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Late 60 Days Creditor Remarks : Closed or paid account/XXXX  balance ; Account closed by credit grantor Evidence of Discrepancy : The reported late payments for XXXX and XX/XX/XXXX contradict my financial records. These errors are unjustified and damaging. 
Legal Violations : FCRA Violations : Failure to ensure accuracy in consumer credit files ( 15 U.S. Code 1681i ). 
Failure to notify and adhere to proper payment cycles ( 15 U.S. Code 1666b ). 
TILA Violations : The inaccurate reporting undermines the purpose of the Truth in Lending Act to ensure transparency and fairness. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 
If this issue is not resolved, I will escalate my complaint to the CFPB and pursue legal action if necessary. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX  Account Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX account ( Account # XXXX ). Despite prior dispute attempts ( letters dated XX/XX/XXXX and XX/XX/XXXX ), Equifax has not corrected the errors, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Inaccuracy : High Balance : {$200.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Late 60 Days Creditor Remarks : Closed or paid account/XXXX  balance ; Account closed by credit grantor Evidence of Discrepancy : The reported late payments for XXXX and XX/XX/XXXX contradict my financial records. These errors are unjustified and damaging. 
Legal Violations : FCRA Violations : Failure to ensure accuracy in consumer credit files ( 15 U.S. Code 1681i ).

Failure to notify and adhere to proper payment cycles ( 15 U.S. Code 1666b ).

TILA Violations : The inaccurate reporting undermines the purpose of the Truth in Lending Act to ensure transparency and fairness.

Desired Resolution : Immediate removal of the late payment notation from my credit report.

Written confirmation of the correction. 
If this issue is not resolved, I will escalate my complaint to the CFPB and pursue legal action if necessary. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I've been going back an forth with Paypal about a dispute that was filed in my favor. A month after the amount was refunded ( {$150.00} ), it shows back up on my account as a negative balance. I contacted them and they claimed they refunded me twice for the amount of the charge, I explained to them that I only received 1 refund and could send them proof with my bank statements. The agent said she would look into it. This stayed on my account for months. In XXXX, I wasn't able to log in to my account. I thought the site was having issues, so I waited XXXX XXXX weeks ( trying to log in intermittently ) before contacting about this. On XX/XX/XXXX, I found out they locked my account. After speaking to who I thought was a supervisor ( XXXX, ID # XXXX ) he told me to fax over the proof ( sent XX/XX/XXXX ) and would be contacted in 7-10 days. I called again on XX/XX/XXXX to see if my paperwork was received, and spoke with someone incompetent who could not pull up my account. I then called the collection agency they sent the account to thinking I could dispute the charges with them and was told by XXXX, there was no way to dispute the charges ; however I could send the documentation to them to forward to Paypal ( sent XXXX ). She told me the company would receive the paperwork within 7 days of when it was sent and from then it would take 7-10 days for them to contact me. On XXXX I received an email from Paypal stating that I removed phone numbers from an account I have been locked out of for a month. I called on XXXX to find out about this and spoke with XXXX. He wasn't able to tell me why the information was removed from my account. I asked XXXX if the information ( either of the 2 ways ) I sent to dispute the charge was received ; he said only the back office has access to this, and he had no way to contact the back office. He said they will reach out by email within 9-15 days. I have not heard from anyone and it has been well over 15 days since this started and still don't have access to my account.

Company response to consumer: Closed with non-monetary relief