vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I was a victim of a robbery on the night of XX/XX/year>. On XX/XX/year>, the individuals that committed the crime, logged into my Paypal account and moved over XXXX XXXX dollars from the XXXX XXXX account into their bank account. I rarely use Paypal, so it was very foreseeable to Paypal that moving this amount of money after my password and address were changed in addition to a new bank account being added to my Paypal account. 

As Paypal moves millions of dollars on an annual basis, I would expect them to have a more robust Fraud Management Department, which would detect this type of activity. Further, when calling Paypal they were not very helpful as they were insisting I provide the account number, which I could not as the individuals had changed the Paypal password.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: MA

Complaint narrative:
I was a XXXX  customer for 2 years and when i moved out, i closed my account and shipped the equipment back to XXXX on XX/XX/year> on XX/XX/year>, i received a news that i had to pay {$150.00} for the equipment and that it is a late payment too, i called XXXX customer service and they confirmed to me that equipment was received and that it was a billing error that they are going to fix after several days, it was fixed but equifax still showing this as a negative information on my credit report my credti score went down dramaticlly i request that this info from XXXX, since it was a billing mistake, to be removed or at least the effect of it to be removed from my report i submitted a dispute with equifax, here are the references Confirmation number : XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: SC

Complaint narrative:
I have viewed my credit report and have found accounts STILL viewing incorrectly on my credit report. These accounts below have been disputed with the company showing the information reported on my account being accurate according to the Fair Credit Reporting Act, however i was never given any proof showing how they came to such conclusion XXXX XXXX account XXXX Last Balance {$530.00} account XXXX balances of {$970.00} and {$1100.00} I have also sent my own letter of validation that was received and it has been 30 days with no response. Please review the information once again to insure this information being reported is validation and the proof is shown as to how it was validated

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 2024-12-01 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in this report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dispute and Request to Update Personal Information Dear XXXX, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I request that my current address be updated accordingly. 

3. Employer : My current employer is XXXX. I request that my new employer, be updated.

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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I request that my current address be updated accordingly. 

3. Employer : My current employer is XXXX. I request that my new employer, be updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: CA

Complaint narrative:
I still have not reviewed my {$2000.00} dollar deposit back. I filled a complaint here with CFPB and the company responded back that they applied my deposit towards a outstanding balance, I did not have an outstanding balance and I am attaching my last letter received from them as evidence of this fact. This company seems to have a bad habit of giving wrong and bad information and Im very disappointed with them and their services. I would like to know what else can I do as a consumer, they should be held accountable. Im a single father and they are playing around with my money. Please see the attached documents and I am asking that you please ask them to send me my deposit. If you can not help, I will contact my state attorneys office and see what else needs to be done here. My last complaint went to XXXX XXXXXXXX XXXX XXXX this company has many branches and this is also making it hard to track them down and get my deposit back. This is not right. Please submit my first complaint to this same office and maybe we can get this resolved properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: Nelnet, Inc.
State: NJ

Complaint narrative:
Loans were from XXXX and are in a borrowers defense case The amount totaling XXXX With and interest of XXXX Principal of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: AL

Complaint narrative:
Dear Conserve I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
SYNCHRONY BANK CLOSED XXXX GOOD STANDING ACCTS XXXX IN CREDIT LINES WITH NO PAST DUE BALANCES. I HAVE SPENT QUITE A BIT ON ALL CARDS & MAINTAINED THEM VERY WELL .THEY STATED I AM " HIGH RISK FAILURE TO PAY ''. JUST MONTHS PRIOR, THEY GRANTED CREDIT LINE INCREASES FOR ALL OF XXXX MY ACCTS THAT IVE HAD FOR 3 YEARS. I ALSO HAVE PLENTY OF CASH FLOW WITH MY 2 COMPANIES WITH OVER XXXX A MONTH. SINCE MY XXXX XXXX WAS AROUND XXXX AT THE TIME, I APPLIED FOR 3 MORE CARDS AND WAS APPROVED WITH AN EXTRA XXXX IN CREDIT. SO. HERE 'S THE TWIST, OUT OF NOWHERE IN MID XXXX SYNCHRONY BANK CLOSED ALL XXXX ACCTS INCLUDING MY NEW ONES. I HAVE NEVER HAD LATE PAYMENTS, EVERYTHING CURRENT, 1 % UTILIZATION. I DON'T GET IT.?

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 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally submit a complaint regarding a denied welcome bonus for my AMEX XXXX XXXX. Below is a detailed timeline and description of the issue : XXXX. XX/XX/year> : * Before applying for the AMEX XXXX XXXX, I contacted AMEX Customer Service via chat. During this chat, I was informed that the welcome bonus for the XXXX XXXX was XXXX Membership Rewards ( XXXX XXXX points. 
* XXXX, I proceeded with my application for the XXXX XXXX through the AMEX website. At the time of applying, the website displayed a welcome bonus offer of XXXX XXXX XXXX. 
* My application was approved the same day, XX/XX/year>. 

XXXX. Spending Requirement Fulfillment : * After receiving the card, I spent the required amount within the specified time frame to qualify for the welcome bonus. 

XXXX. XX/XX/year> : * When I did not receive the welcome bonus, I reached out to AMEX Customer Service via chat to inquire. 
* During this interaction, I was told that my XXXX XXXX was not eligible for the welcome bonus. The representative claimed that a declined message appeared during my application process. However, I did not see any such message when I submitted my application. 
* The representative further stated that I was ineligible for the welcome bonus because I had previously held the XXXX XXXX, the XXXX XXXX from American Express Exclusively for XXXX XXXX, the XXXX XXXX XXXXrom American Express Exclusively for XXXX XXXX, or previous versions of these cards. 
* I would like to clarify that I have never held any of these cards before. 
Despite providing this information and explaining my eligibility, AMEX has refused to issue the promised welcome bonus. 

Supporting Evidence : XXXX. I have screenshots of my chat with AMEX Customer Service on XX/XX/year>, confirming the XXXX XXXX XXXX offer. 
XXXX. I have screenshots of my chat with AMEX Customer Service on XX/XX/year>, outlining their refusal to honor the welcome bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: SC

Complaint narrative:
I recently reviewed my credit report and found items being reported inaccurately on my account. These accounts below have been sold/written off profit for loss and account balances reflect zero therefore should not be reporting on my credit profile XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX {$1300.00} Also a letter of validation was sent out to XXXX XXXX XXXX on XX/XX/XXXX and it has been 30 plus days no response due to the address being incorrect in not in the place of business stated on the credit report. The post office sent to address referred and no response of validation other then the debt being sold. Debt has already been resold

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 2024-12-01 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I reviewed my consumer report and noticed that i havenumerous late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/22 ] [ XX/XX/22 ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand this payment be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2024-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
Added my SoFi checking account to my direct deposit via XXXX for {$1200.00} from my paycheck to be deposited. Accidentally mistyped the account number and left out one digit, has been confirmed with my company 's payroll that the funds did not bounce back and were deposited into another persons account at SoFi. I have the exact routing and account number that the funds were deposited into but SoFi will not look into this issue without a trace ID. I work for a very large company that utilizes a payroll department that operates outside of the US and they can not provide the trace ID. My payroll department can not reverse this issue but can verify any information necessary for SoFi.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: CA

Complaint narrative:
Dear CFPB, I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit. I do not have any business, knowledge nor association with these companies nor do they bare my signature on any documents. Please delete and remove these accounts for this is identity theft. 

Account Name : XXXX Account Number : XXXX Amount : {$15000.00} Account Name : XXXX Account Number : XXXX Amount : {$150.00}

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 2024-12-01 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: IN

Complaint narrative:
On XX/XX/year>, my credit card was used at XXXX different XXXX 's stores. One in TX and one in NC. I received individual text message at the exact same time. I wasn't able to reply to the first one which was TX. I was able to respond to the one in NC so I was able to stop that one. The charge for the one in TX was {$860.00}. I have shopped at XXXX 's online before but that was years ago. I received an email from XXXX 's for the order along with the pickup receipt at my email address. XXXX XXXX picked it up. I have no clue who this is nor do I live in TX. I don't know how they got my email address associated with my credit card. I have disputed this charge 3 times with the credit card company and they state that I authorized him to pick it up which I did not do. I have been on the phone with the credit card company several times along with XXXX 's corporate office with no resolution. I can't get them to understand that I did not authorize this purchase. I have told them to look back on their records to show that a charge did come in at the same time in NC that I stopped. I couldn't be in 2 places at the same time nor do I live in either of these states.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
Failed to meet my request and opt out of reporting as a federally protected consumer per fcr 8 after been given notice both verbal, non verbal. written and unwritten

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 2024-12-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Failed to meet my request and opt out of reporting as a federally protected consumer per fcr 8 after been given notice both verbal, non verbal. written and unwritten

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Failed to meet my request and opt out of reporting as a federally protected consumer per fcr 8 after been given notice both verbal, non verbal. written and unwritten

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 2024-12-01 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: FL

Complaint narrative:
My account with XXXXXXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX - XXXX  DAYS to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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