vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 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: DISCOVER BANK
State: SC

Complaint narrative:
When I received my XX/XX/2023 statement from Discover, there were 2 unauthorized charges from an auto company out of North Carolina. Discover has denied my request that these were unauthorized transactions. They want me to provide them with PROOF that these are unauthorized transactions. I told them I do not know who that company is and Discover told me that when they tried to contact the company, the company NEVER responded back. I closed this Discover credit card today when I spoke to XXXX, in Discover Corporate Office and he REFUSED to give me the mailing address where I can have the Small Claims Court serve them the legal documents. I have gone through the XXXX XXXX XXXX and Discover still claims since the credit card was in my possession and there were other valid transactions on this credit card, therefore these 2 transactions were valid. I asked Discover to please send me PROOF that these 2 transactions were valid, and they told me that they do NOT have proof. Discover ADVERTISES that as a customer you are NEVER held liable for any FRAUD or unauthorized transactions. I was a customer in excellent standing with Discover ( I had the card a little over 1 year and they increased my credit limit by {$2000.00} ). I always pay the entire amount in full each month. Discover is INTENTIONALLY MISLEADING their customers and INTENTIONALLY FALSELY ADVERTISING what they will do concerning unauthorized transactions. There is no excuse for Discover trying to hold me responsible for charges that I did not make and reported this to them as soon as I received the statement. It is sad since I am a XXXX citizen and not very good on the computer that Discover REFUSES to give me the correct mailing address so I can file a Small Claim case since they refuse to honor what they advertise. XXXX XXXX XXXX deserves better treatment than Discover gives us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: CA

Complaint narrative:
There are fraudulent charges on there account and they just closed it without investigating and it hit my credit score hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: LEXISNEXIS
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 explanation
Consumer complaint received 2024-03-01 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: CITIBANK, N.A.
State: OR

Complaint narrative:
After resolution of fraud with 'citibank XXXX card in XXXX, further fraud charges were made in XXXX Apparently XXXX, XXXX and XXXX Of XXXX. I received an e-mail XX/XX/XXXX of XXXX notifying me of this matter, I am remitting this further fraud and have closed 'best buy ' citibank XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to prevent further fraud.

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 2024-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc.
State: FL

Complaint narrative:
I have received a bill from a collection agency telling me to pay {$1500.00} from XX/XX/year> last year and I never had a credit card last year..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: CA

Complaint narrative:
XXXX has not been reporting my Credit Score to the Financial Bureaus. I have a long history of using XXXX a my primary bank account for about XXXX years. and they have failed to create a credit score for me. Applied for the XXXX Credit Card on XX/XX/year> ( Email Print out Attached ) I am also attaching the documentation of the disputes filed with chime on this and they have replied with " everything is correct '' - which it is not. Because of this whole mess, I had to open up a new credit card with XXXX as an authorized user which costs {$350.00} annually. Hence I would like to get my credit score updated from by filing this disputed with XXXX, Equifax and XXXX. I also want XXXX to cover the {$350.00} I had to spend to open this new account. Please find all the attached Credit Card statements that chime has not reported to the credit bureaus I recently called XXXX who said that XXXX as not reported my credit score. I called chime and they asked me to take it up with XXXX. 

On talking with XXXX, they said I can't dispute something that is not there on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  has not been reporting my Credit Score to the Financial Bureaus. I have a long history of using XXXX a my primary bank account for about XXXX years. and they have failed to create a credit score for me. Applied for the XXXX Credit Card on XX/XX/year> ( Email Print out Attached ) I am also attaching the documentation of the disputes filed with chime on this and they have replied with " everything is correct '' - which it is not. Because of this whole mess, I had to open up a new credit card with XXXX as an authorized user which costs {$350.00} annually. Hence I would like to get my credit score updated from by filing this disputed with Experian, XXXX and XXXX. I also want XXXX to cover the {$350.00} I had to spend to open this new account. Please find all the attached Credit Card statements that chime has not reported to the credit bureaus I recently called Experian who said that XXXX as not reported my credit score. I called chime and they asked me to take it up with Experian. 

On talking with Experian, they said I can't dispute something that is not there on 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 2024-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am requesting the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collect. Please send a a copy of the original contract between myself and the original creditor. The original application for this account with my signature. I didn't open an account with you or your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: RI

Complaint narrative:
I was offered a plan to reduce my interest and lower my payments. When I enrolled in the program multiple agents told me that after 3 consecutive payments, my account would be current and my minimum due would revert back to 1 month owed. After 3 months I was told over and over by agents that it would be reflected next month. This went on for 3 months. Finally Discover admitted that even though multiple agents had promised this, they were not going to honor it. I attempted to file complaints and speak to management and the only person they would let me speak to is a customer service supervisor. These conversations ( both text and call ) are recorded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is not an error. I am sending my formal notice that this information is a result of identity theft. All this information has been reported to the FTC and is currently under investigation.

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Several listed accounts are incorrect, and it's unsettling for me.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2023 I tried to purchase XXXX subscription using my debit card. However, while my card was charged, I didnt receive the subscription. I tried to sort the issue with XXXX XXXX but they provided me with the invoice that stated that the charge was {$0.00} and furthermore told me that since the charge was unsuccessful on their end, they can not do anything about it. Since late XXXX until now I am trying to sort this issue with Chase, and it has been unsuccessful. They denied my initial claim and this second time have lost the supporting documents ( invoice and the email correspondence with XXXX suppprt ) after confirming that they received them. It has been going on for more than two months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX I loaded {$1000.00} each to my XXXX XXXX XXXX XXXX, totaling {$2000.00}. Later that day I received email notifications that both my accounts were closed without giving specific reasons. I called XXXX XXXX  customer service and was advised I could only write letters to XXXX XXXX  office in XXXX Georgia to communicate on this matter which could not be handled by customer service agents on the phone. 

On XX/XX/XXXX I wrote a letter to XXXX  inquiring about the reason for account closure and requesting refund of my balances. On XX/XX/XXXX I received a letter from XXXX dated XX/XX/XXXX and the letter enclosed with a {$100.00} check. On XX/XX/XXXX I wrote another letter to XXXX  to inquire why total balance of {$2000.00} is not refunded and they only sent a check of {$100.00}. Enclosed with the letter are store receipts on XX/XX/XXXX for loading the {$2000.00} fund to my XXXX cards. 

Having not heard back from XXXX  for a month, I called XXXX XXXX customer service for the second time on XX/XX/XXXX. Again, I was told that XXXX XXXX customer service agents could not handle this and the only way to communicate on the matter is by writing to XXXX. So I mailed another letter to XXXX on XX/XX/XXXX, requesting refunding the {$2000.00}. Enclosed with the letter are the receipts and the past correspondences. 

To this day I have not heard back from XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
They closed my credit card after disputing a charge and they close it harassing me daily

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American First Finance, Inc.
State: FL

Complaint narrative:
Regarding account : American First Finance : XXXX This company have received my documents for the identity theft that was used to obtain this account. The company has investigated and have determined that this account is in fact associated with identity theft. 

This company has agreed to remove all account information from my credit files, including inquiries, reporting information, addresses, personal information, and payment history from my files within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon review of my most recent credit reports with ( Experian, XXXX, & XXXX ) I noticed address that DO NOT belong to me, nor have I ever lived at these addresses. I believe them to be of fraudulent activities and demand that they be removed. 

The address which I do not recognize are as follows : XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl. 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 2024-03-01 00:00:00
Product: Credit card — Store credit 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had returned couches and still was being charged for them, they disregard and still harass me. adding another XXXX $ onto the invoice...

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 2024-03-01 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: MD

Complaint narrative:
Inquiries attached on my account are inaccurate, they are just fraudulent inquiries. I never made an inquiries such as those.

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 2024-03-01 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: AR

Complaint narrative:
I recently fulfilled the terms of the Public Service Loan Forgiveness Program. My loans were paid in full, and my account is in Good Standing. 

TransUnion, however, incorrectly reported my student loan status as SENT TO COLLECTIONS/CHARGED OFF on my credit report. 

This was an egregious and detrimental error, and resulted in the loss of over XXXX points on my TransUnion credit score. Of course, as an adverse statement, it gets worse : it will stay on my credit record for 7 years if TransUnion does not fix it. 

Of note is the fact that both XXXX and XXXX reported the PAID IN FULL/NEVER LATE status of my loan account after I completed the PSLF program.

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