vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Dear CFPB Team, I am writing to file a complaint regarding fraudulent activity involving an Amazon Credit Card account issued by Synchrony Bank. Despite my repeated efforts to resolve this issue for past 7 months, neither Synchrony Bank nor Amazon has provided assistance or transparency in addressing the fraud. 

Details of the Issue : Account Name : XXXX XXXX Account Information : I never received the physical credit card and do not have the account number. 
Fraudulent Charge : XXXX $ + the growing interest for furniture purchased in Washington State. 
Date of Charge : XX/XX/2024 Charge ID : XXXX ( It was a given number from Syncrony ) I did not authorize the opening or use of this card, yet fraudulent activity occurred on this account. Specifically, someone used this account to purchase furniture in Washington State, using my billing address in Georgia. I immediately reported this as fraud to Synchrony Bank and Amazon, but both parties have failed to resolve the issue. 

Synchrony Bank denied my fraud claim thrice, stating that the charge is valid, even though I never received the physical card or authorized any transactions. I have repeatedly requested proof of delivery or tracking information for the purchased item, but they have refused to provide it. 
I reported the fraudulent charge to Synchrony Bank and Amazon as soon as I became aware of it. I filed a fraud dispute and an appeal with Synchrony Bank, but my claim was denied multiple times. I requested proof of delivery or tracking details for the item purchased, which was ignored. 

Impact : This situation has caused significant distress, as I am being held accountable for a fraudulent charge on an account I did not use or receive. The lack of transparency and refusal to provide supporting evidence undermines my trust in the handling of this case. 

Thank you for your attention to this matter. I am available to provide any additional information as needed. 

Sincerely, 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 2024-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: IN

Complaint narrative:
On XX/XX/XXXX my social security deposit was made into my NetSpend account a few moments later after the deposit was made a transaction for {$300.00} was processed I called reported it as a fraudulent transaction and filed a dispute the next day I called to check the status of the money they had closed my account with a remaining {$440.00}. instead of mailing the remaining funds and a check to the address listed on the account they forwarded it back to social security and I've been trying since XXXX to get that money back they've been giving me nothing but a runaround. And then on XX/XX/XXXX I received an email stating that my dispute over the {$300.00} was found to be fraudulent and refunded me the money back to that account but they closed that account so I'm not able to get into that account and retrieve my funds and they were supposed to mail a check to the address I'm at now because I have moved due to not being able to pay rent because of the money situation starting on XX/XX/XXXX it is going on almost a month now I still have not received the {$440.00} that they say they sent back to social security social security says that they have not received any funds and now I'm having an issue retrieving the {$300.00} that they sent gave back to me due to the fraudulent transaction so I'm stressed trying to figure out how I'm going to retrieve my money from NetSpend that says they have sent my money back but have failed to do so

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 2024-12-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Got an Equifax data breach settlement amount for {$22.00} on XX/XX/XXXX. 

Tried everyday, multiple times a day to access the funds through their website at XXXX and it always comes back with an error. 

Called the center multiple times, but always goes to a pre-recorded message before hanging up. No response from the XXXX site and no help from equifax either

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year> I received an email from Wells Fargo informing me that I must update my information by XX/XX/year> or my account would be restricted. That same day I submitted the documentation they requested through the link Wells Fargo sent me and on XX/XX/year> they received the information provided to them ( passport photo and XXXX XXXX certificate but they never updated the information and consequently they have restricted my checking, savings, and credit card accounts. So now I can not make any payments to any creditor because they froze my funds for no reason. I have called them and they did not solve the problem and because of that I am the one who is harmed and I feel discriminated against by that banking entity since it is the first time that a bank or creditor has treated me that way as a citizen of the United States.

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 2024-12-13 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: SC

Complaint narrative:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: SC

Complaint narrative:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( XXXX  ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before i seek litigation for defamation of character ). XXXX XXXX XXXX balance {$81.00}

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 2024-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened a checking account thru XXXX XXXX XXXXXXXX with a {$300.00} bonus promo. I got a checking account but when i called to ask, they said the promo was not attached to my checking, and that there is no way to add my promotion back to 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 monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: VA

Complaint narrative:
Bottom Line Upfront : I respectfully request the CFPBs assistance in obtaining detailed historical transaction records for all the student loans I co-signed, which are currently serviced by Firstmark Services. I believe there is a significant discrepancy in the balance of the student loans I co-signed, currently serviced by Firstmark Services. My records indicate a notable difference compared to the balance reported by Firstmark Services, raising concerns about the accuracy of the account. Furthermore, abrupt and unexplained changes in the account balance, without any indication of transactions or causes for the increases, raise serious concerns about the accuracy of the account history. 

Context : I have formally requested detailed historical transaction records from Firstmark Services for all student loans I co-signed. Despite making this request weeks ago, I have not received the requested information. Each time I contact Firstmark Services to follow up, I am informed that the lender is backlogged due to a high volume of complaints and requests after recently taking over student loan servicing from XXXX. And for this reason, can not provide any further information at this time, regarding expected time frame and/or resolution.

Issue : When attempting to access historical payment information via the Firstmark Services website, I encountered several issues : 1. Confusing and Incomplete Data : The data format does not provide clear tracking for each individual loan. All transactions appear under a single account identifier, making it impossible to differentiate and track individual loan histories. 
2. Inconsistencies in Balances : On the payment history, one entry shows a balance of {$0.00} ( line 11 ), but the very next transaction indicates an increased balance of {$4700.00} with no explanation.

The first line of the account ledger shows a balance of - {$1.00}, which is misleading as the current account balance is reported as {$4900.00} ( as of XX/XX/year> ). These inconsistencies have no clear justification, even though they are for the same account identifier.

Given these discrepancies and the lack of transparency, I am formally requesting : 1. Complete Historical Transaction Records : A detailed account of transactions for all loans I co-signed, dating back to their origination.

2. Individual Loan Identification : A breakdown of transactions for each loan under separate account numbers or identifiers.

3. Transparent and Clear Formatting : A comprehensive report that is easily understandable, including : Account number/identifier Transaction date Transaction/payment amount Amounts applied to principal, interest, and fees Running balance after each transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
I recently checked my credit report and noticed multiple billing errors. These late payment records don't reflect my usual payment behavior. Please rectify these mistakes and update my account. Thank you!

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

Complaint narrative:
I recently reviewed my credit report and noticed accounts reported with inaccuracy on each bureau. Theres XXXX lates reporting on XXXX bureaus and XXXX late on the other. Theres over lapping time for it to be a XXXX or XXXX  day late. These are student loans that were on a forbearance or government program repayment plans. ( meaning no payment required ) The accounts should have and had a history of reporting as paid on time. The consumer reporting agencies need to report all information with complete accuracy. The reporting agencies have mixed information on how many days a late payment took place and also when the lates took place. I have attached supporting screenshots of my credit reports that clearly show the inaccuracy amongst the XXXX bureaus. 
These accounts have not been late. 
XXXX now requesting you to investigate and provide verifiable proof with records showing the accuracy as reported with each bureau. 
If this information can not be verified I demand these payments be updated to paid on time immediately. 

Please refer to compliance procedures- XXXX XXXX XXXXXXXX XXXX XXXX section b Thank you for a timely response. As this is effecting my creditworthiness with a major purchase for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX  days.

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 2024-12-13 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: GA

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX  days.

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 2024-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: IN

Complaint narrative:
Subject : Request for Method of Verification Under FCRA Dear XXXX, I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( XXXX ) : Disputed Item ( XXXX ) : XXXX. Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason for Dispute : for Inaccuracies in my report which I stated in my previous dispute Under the Fair Credit Reporting Act ( FCRA ), Section XXXX ( a ) ( XXXX ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section XXXX ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. 
Please provide the specific details on how the investigation was conducted, including : XXXX. The name, address, and telephone number of the person or entity that verified the information. 
XXXX. The method and sources used for verification. 
I appreciate your prompt attention to this matter and look forward to your detailed response as required by law. 
Sincerely, I have attached my Driver 's license and my tax form that state my social Security Number along with your letter you sent to me with my mailing prove of address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: DC

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: DC

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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