vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 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: NV

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: NV

Complaint narrative:
I have already contacted the creditors who report these Inquiries that I do not recognize and are fraudulent and have already been reported to the fraud department. These are the fraudulent Inquiries : XXXX ( Bank ) XXXX XXXX  ( Bank ) ), XXXXXXXX XXXX XXXX XXXXXXXX ( Bank XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ) 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 2023-12-12 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:
MY PROFILE HAS BEEN COMPROMISED BUT EQUIFAX HAS DECEIVED ME! ON XX/XX/XXXX AND XXXX 2023 EQUIFAX REPORTED TO ME BY LETTER AND RESPONSE HERE THROUGH THE CFPB THAT THESE INQUIRIES XXXX, XXXX, XXXX, XXXX XXXX, AND XXXX HAVE BEEN DELETED, BUT THESE INQUIRIES ARE STILL BEING REPORTED TO MY EQUIFAX CREDIT PROFILE! THIS IS UNACCEPTABLE AND EGREDIOUS THAT EQUIFAX IS IGNORING MY DISPUTES AND USING DECEIVING PRACTICES! I AM TAKING LEGAL ACTION IMMEDIATELY IF THESE ITEMS ARE NOT RECTIFIED NOW UNDER FCRA 605B. I HAVE ATTACHED PROOF THAT EQUIFAX HAS INFORMED ME ON XX/XX/XXXX AND NOTIFIED BOTH ME AND THE CFPB ON XX/XX/2023 THAT THESE INQUIRIES HAVE BEEN DELETED ALONG WITH PROOF THAT AS OF XX/XX/2023 THESE SAME INQUIRIES ARE STILL REPORTING ON MY EQUIFAX CONSUMER PROFILE OVER A MONTH AFTER YOUR CLAIM OF DELETION. DELETE THESE ITEMS IMMEDIATELY OR MY NEXT STEP IS TO CONTINUE WITH MY SUIT AGAINST YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against Discover Financial Services concerning their refusal to provide me access to my own credit, which I believe constitutes a violation of Title 15, Subsection 1611 of the United States Code . Discover 's actions have had an adverse impact on my consumer credit, as described under 15 U.S. Code 1681. 

On XX/XX/2023 I applied for a discover card online. The terms and conditions do not expressly tell you that the application is turned into an asset backed security and sold so the company can profit whether credit card is approved or disapproved. I was denied credit, then upon researching the company 's filings and I read how they profit from the application, I immediately contacted discover and expressed my concerns.

Discover response with their decision stands.

I have attached relevant documentation, including correspondence with Discover, to support my complaint.

I am deeply concerned about more than just the denial of access to my credit. I have reason to believe that Discover Financial Services may be involved in securities fraud. According to the company 's annual reporting ( 10-K ) and indenture agreement on file with the Securities and Exchange Commission ( SEC ) , the credit application I submitted to Discover appears to have been turned into an asset-backed security. This raises serious questions about the legality and transparency of their financial practices.

Given these concerns, I believe it may be important to involve the Federal Trade Commission ( FTC ) in investigating how many applicants may have been affected by similar actions by Discover Financial Services.

I kindly request that both the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) investigate this matter thoroughly and take appropriate action against XXXX File Number XXXX Discover Financial Services XXXX ( I.R.S. Employer XXXX XXXX. ) located at XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX for their alleged violations of federal laws, including potential securities fraud. 

I also request that the CFPB assist me in resolving the issue of denied access to my credit and ensure my access to accurate and complete credit information. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: NM

Complaint narrative:
On XX/XX/2022, I was charged {$470.00} on my GM Rewards Card with Goldman Sachs. It was an unauthorized and fraudulent charge. I have been trying to resolve the dispute with Goldman for a year and a half at this point and they are still forcing me to pay a fraudulent charge. The merchant is listed as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX. I would like this investigated and resolved. Goldman has refused to help me, is making me pay a charge that I didnt authorize. All I want as a consumer is to not be forced to pay for a charge I didnt authorize. Theyve asked me for evidence to prove this is a fraudulent charge. I have never been asked for such evidence by a credit card company. How am I supposed to provide evidence for a charge I didnt authorize? Goldman has made me go on a wild goose chase for XXXX years. I want it to stop and I want the credit card issuer to cover this fraudulent charge, which I didnt authorize. If a credit card company refuses to cover fraudulent charges of its consumers, it shouldnt be in the credit card business

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
On XX/XX/XXXX, I have been on hold or unsuccessfully transferred for over XXXX hours. Ive attempted to reach the correct party on XXXX separate phone calls and have been disconnected once even after authorizing them to call back in case it gets disconnected. Whats the purpose of this feature if you wont call back??? This customer service is DEPLORABLE considering the amount of money involved. I need a refund of the interest Mohela has been collecting despite being under an administrative forbearance since 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 2023-12-12 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: TN

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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 2023-12-12 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: FL

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX is reporting a charged off collection with a third party service i do not have a contract with those third party servicers such as XXXX and XXXX, and resurgents these are now by law CERTIFICATES OF INDEBTNESS AND IS BEING REPORTED AS INCOME AND ACCORDING TO THE LAW THIS IS ILLEGAL I HAVE NO LIABILITY TO ANY THIRD PARTY COLLECTOR I WOULD LIKE FOR THOSE TWO COMPANIES TO PROVIDE ME WITH AN ORIGINAL CONTRACT BETWEEN US THAT PROVES WE HAD AN AGGREEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/XXXX, I stopped by the Chase Bank branch located at XXXX XXXX XXXX, XXXX, IN XXXX. I deposited a check for {$130.00} ( Check # XXXX from XXXX XXXX ) and cash. When I got home, I realized the transaction had been deposited into the wrong account ending in XXXX. I contacted the corporate Chase customer service number and they informed me they would credit back {$40.00} and within XXXX days, they would credit the rest. It was never credited. 

In XXXX, I spoke with the branch XXXX, XXXX XXXX ( XXXX ) XXXX. I told me he would reach out to corporate. It has been a month and I never heard back from the branch XXXX or corporate support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My identity was stolen and so far has been used to : rent a car and not return it, purchase a motorcycle, open a checking account and bounce checks, try and purchase another vehicle, attempt to open multiple credit cards. I've purchased XXXX, frozen my credit with XXXX, XXXX, TransUnion, and XXXX, filed 3 police reports, a XXXX complaint, an FTC complaint, a XXXX XXXX XXXX complaint, and have contacted and am working with each dealership, bank or credit union affected. I've spent countless hours on the phone and filling out paperwork. 

This complaint is in regards to TransUnion and the motorcycle purchase. The motorcycle was purchased on XX/XX/2023 from XXXX XXXX XXXX XXXXXXXX ( XXXX ) using XXXX XXXX XXXX XXXX XXXX ( XXXX ). I've spoken with the dealership and the financial service, informed them both of the fraud, and am cooperating as requested. A police report was filed with the XXXX XXXX Police Department, Case # XXXX. 

I've disputed the credit report entry with TransUnion three times. All three times they came back with the same results in about a 24 hour period each - investigation completed, account verified, payment information updated. So I ask, what kind of investigation can you complete in 24 hours? Who did the contact? Anyone? What did they do? Nothing. These are the people we depend on the help and fix our credit, and these are the results they produce. It is a joke. I've filed a BBB complaint and now this complaint.

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 2023-12-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Today XX/XX/2023 I attempted checking my savings account through online banking and needed to be authenticated. I just recently opened the account on XX/XX/2023 by online in which I was referred to open by a bank representative telling me that it would be a faster process. So I went according to her advice and opened an account which allowed me open a savings account automatically. I then on the same day deposited {$8400.00} to the bank Teller at the bank branch XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX. I was told that my account was accessible and that I would have to wait 7-10 business days to get my card. Unfortunately today XX/XX/2023 as I attempted to find out how to access my online bank account I was referred to the fraud department. The fraud department informed me that my account will be closing and that I have to wait 30-60 days to recover my money. I went to the branch and I spoke to a manager. The manager inform me that when speaking to the fraud department there is nothing they can do on their end to expedite me receiving my funds and that the fraud department is the only ones authorized to release my funds. Today as a consumer I was neglected by Citi Bank not giving me proper protocol and information concerning why they closed my account, also if whether I will be able to properly retrieve all exact funds back. I am writing this report to bring a paper trail of this attempt to retrieve my funds.

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 2023-12-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Today I noticed that I had an account in collections for Rent Recovery Solutions for The XXXX apartment complex in XXXX. I have never lived in XXXX and have been in a house for over 7 years. When I contacted the debt collection agency as well as the apartment complex it was confirmed that the social security numbers did not match and neither did our middle names or license number. I really need this corrected and off of my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: GA

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 al
so 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 2023-12-12 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: GA

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 2023-12-12 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: TX

Complaint narrative:
To Whom It May Concern, I recently obtained a copy of my credit report and identified an inaccurate listing of a repossession. I firmly believe this information is incorrect and should be removed immediately based on 15 U.S. Code 1681o - Civil liability for negligent noncompliance. 
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.

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 2023-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
ON XX/XX/2023, bank of America has closed my bank account. I still had XXXX $ remaining inside the bank account that has not been returned to me after they closed my account. They told me they were going to do investigation to decide whether my money was obtained through fraudulent activity. I complied with this investigation and send them documents of my money source, my XXXX transaction records, my currency exchange details with the third party who send me money. 

This investigation lasted for 3 months, until XX/XX/2023, today, Bank of America send me an email, said they found my money were obtained through fraudulent activity and they refused to return me my money. In this email, they did not said how did they reach this decision, and how are they going to deal with this XXXX $ if they are not going to return it back to me. And if they determined this is fraud, who was the person XXXX fraud? Who is the victim? I ask these question because I know it is not a fraud and I can provide them documentations to prove that, but I don't know whether they considered it or not. 

In fact, it was money send through wire transfer from my parents in XXXX, in XXXX currency. I was exchanging this currency with another student I knew from school. And each time I send him XXXX currency, he XXXX  me dollars through online banking. We went on multiple transactions back and forth like that and the total amount is about approximately {$10000.00}. I don't know how can this activity be decided as fraudulent and I need that money from my parents to support my own life as an international student. 

They are looking like they just going to take money from my bank account using their authority.

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 2023-12-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I contacted the risk and closure department today XX/XX/2023 I was told I can go to a bank branch and receive funds from my checking account that was closed. Im thankful and happy about this however since my bills are way past due and I face eviction I need the funds from my savings accounts as well one savings had {$500.00} another had {$1000.00} again to reiterate this is a problem I face eviction from non-payment of rent I take care of my Aunt that is XXXX and on XXXX my Aunt can not stay in a shelter and we do not have family here in this state that we could stay with not to forget to mention it is holiday time and I literally have no money because BANK OF AMERICA HAS IT ALL. If Bank of America needs proof of where my money came from I can provide proof Ive received my money from employment, unemployment, student loans, and personal loans I'm willing to provide this information if it helps. A check for the two savings accounts being issued is unacceptable I need to retrieve all funds from all accounts by showing up in person with my ID and SS card to verify my identity. This is unacceptable please please please help get this resolved so I can retrieve all funds at one 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 monetary relief