vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 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: IL

Complaint narrative:
From what I understand, FCRA 605B says wrong accounts should be taken off credit reports. Please check the accounts in the documents. They're reported wrong on my credit report. I'm upset and feeling sick about it. Can you help?

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 2024-02-09 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-02-09 00:00:00
Product: Credit card — Store credit 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: DE

Complaint narrative:
I opened an Ashley Credit Card through Synchrony bank on XX/XX/XXXX in the XXXX, New Jersey store, totaling {$4300.00}, with 0 interest for 24 months. I only receive an email that payment is due, no paper statement. I have been paying {$200.00} a month. It will be paid in full in XX/XX/XXXX. When I received the XX/XX/XXXX email I saw there was a higher amount owed. Upon researching I saw charges that totaled {$900.00}. I found out that these charges were for credit protection and security, that I never signed up for. Apparently this was done on a mobile device at XXXX XXXX on XX/XX/XXXX. I called the credit card protection company and they said they can only refund {$560.00}, the past 12 months charges and will not refund the balance of {$330.00} They claimed that they emailed me a package about this protection when I supposedly signed up for it on XX/XX/XXXX. But I never received this because I did not sign up for it. 
I contacted the customer service dept and the fraud dept at Synchrony and was told they can not reverse the balance of {$330.00}. I explained it was fraud, they changed my account, but to no avail. The {$330.00} is still there. 
I WILL NOT pay for something I did not purchase or sign up for. I dont want my account going to collection. I have excellent credit. I have many other credit cards that I could have used. I opened this account because it was 0 interest for 2 years. Please advise as I am at my wits end and dont know what else to do.

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 2024-02-09 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: CO

Complaint narrative:
In XX/XX/2023, I encountered a severe issue with a counterfeit item purchased for {$2000.00} through XXXX, paid via XXXX. Despite providing clear evidence, including a detailed third-party authenticity report from XXXX XXXX, confirming the item 's counterfeit nature, my dispute has been met with systemic neglect by the company. 

The journey began with extensive efforts to prove the item 's counterfeit status, culminating in physically mailing over 40 pages of evidence to the company. It took nearly six months of persistent follow-ups before the company even acknowledged receipt of this evidence. This delay was the start of a pattern of stonewalling ; despite assurances over the phone that my case would be escalated for a favorable resolution, the actual response was a cycle of reopening and closing the dispute every 30-60 days, resembling an automated denial that failed to engage with the substance of my complaint. 

The core issue has been exacerbated by the company 's demand for the return of the counterfeit item without providing a lawful return address or facilitating any form of mediation with the seller. This situation is further complicated by the open and ongoing dispute, which necessitates Goldman Sachs ' direct involvement for mediation to ensure the seller is informed and agrees to the return process. This requirement stems from the dispute itself, into which I was led by the company 's assurances, placing me in an impossible position given the legal implications of mailing counterfeit goods and the logistical challenges of securing a return address without Goldman Sachs ' active mediation. 

This protracted dispute has not only resulted in financial loss but also significant emotional distress, highlighting the company 's failure to adequately address the dispute and their disregard for the legal and consumer rights implications of their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
On XX/XX/2024 I got 4 emails from New York Community Bank about a new checking account that I did not open : one welcoming me to the bank ; one offering disclosures ; one telling me I could order checks ; and then one telling me the email address was changed on the account. The email it was changed to was XXXX. I called the bank and spoke with a woman in the call center within 20 minutes of receiving the emails. The next day, XXXX from the security office called me back. He told me an account had been created using my name, address, SSN, DOB, and another phone number that is not mine. He said the account would be closed. He would not provide written confirmation. I have since received at least 6 other emails reminding me to finish my online bank account setup. As of XX/XX/2024, I have made 5 phone calls and 1 email and one letter mailed to the bank with no response and no confirmation of account closure and the requested actions taken.

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 2024-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-09 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: IL

Complaint narrative:
I have disputed an XXXX account XX/XX/XXXX, XXXX, and XX/XX/XXXX. 
XXXX deleted the account in XX/XX/XXXX. 
XXXX deleted the account XX/XX/XXXX. 
Experian continues to report this account with inaccurate 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 2024-02-09 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: IL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My daughter sent me XXXX on Venmo. It is my first time using Venmo and I promise it will be my last. They have frozen my account and I cant transfer or spend my money. They told me to wait 2 weeks. Accused me of having a Venmo account already but that is a lie. I have never used Venmo. I just want my money out. Convenience is overrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I did not authorize these inquiries its fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2022 XXXX 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 of 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 2024-02-09 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2022 XXXX 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 of 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 explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
As a individual on behalf of the consumer XXXX XXXX XXXX, there is no way I should have been denied by AMEX for extension of credit for PERSONAL, FAMILY, AND HOUSEHOLD PURPOSES in a consumer credit transaction ( my application ) I filled out with my Legal Entity Social Security Card Number that's secured. All credit is backed by the full faith of the UNITED STATES and is federally regulated by the FEDERAL CONSUMER PROTECTION ACT. 
Also please see attached files

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: IA

Complaint narrative:
XX/XX/XXXX I set up the following ACH transfer : I sent {$1700.00} Wise fee {$13.00} Wise converted {$1700.00} Exchange Rate XXXX Foreign Currency XXXX XXXX Wise initially indicated this transfer could be completed in 2 business days. However, even before I authorized this transfer, Wise noted that it was taking longer than usual to get my money and suggested I pay more to send the money faster. It's very suspicious that they would know this before I even authorized the transfer. 

Side note : I have done many ACH transfers with Wise over the past 4 years and they were always completed in 2 business days. 

I opted to continue on with the ACH as Wise said the money would be delivered on XX/XX/XXXX. On XX/XX/XXXX, the money was removed from my XXXX XXXX account. Wise claims they did not receive the funds until XX/XX/XXXX. The transfer was deposited on XX/XX/XXXX ( XX/XX/XXXX in that country ) in my Foreign bank account. 

This transfer should have been completed on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My credit card and associated rewards card have an auto insurance feature for rental cars. It's supposed to cover deductibles for damage ( theft, vandalism, accidents, etc ) that otherwise would not be covered under normal auto insurance. I don't need to buy additional insurance for a rental car at the point of pickup because of this extra coverage. My rental car was vandalized ( {$500.00} of damage ) and property was stolen ( value roughly {$4000.00} ). My claim for {$500.00} was denied due to a provision in the contract ( the fine print ) that limits the rental period to 15 days. The auto break-in occurred on day 16 of an 18 day rental.

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 2024-02-09 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: IL

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2024-02-09 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: IL

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2024-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I am tryin to buy a house and so far it has takes 30 days for the dept of education to transfer it over to Nelnet. Got a letter sayin that it was transferred. I called Nelnet and they said it would take another 30 to 45 days to get a welcome letter and then my account will be setup. I am tryin to be a home owner and purchase a house but they are not expediting anything or tryin to help within my time frame. I am goin to lose the house Im tryin to buy because of there willing not to try to help with my time constraints. I need my account setup and my payment amount, terms, total and any info regarding this to give to my mortgage company to purchase the house, but with Nelnet taking 2 months to do this the house Im tryin to buy is possible because of this and this is all that is holding me up from my mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: PA

Complaint narrative:
Hi my name is XXXX XXXX XXXX this is not a 3 rd party and I am a XXXX person. I have notice that Experian, XXXX and XXXX are reporting Inaccurate, Fraudulent, and incomplete accounts on my consumer report. This is a violation of the FCRA and I demand these accounts be removed immediately.

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 2024-02-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In late XXXXXXXX XXXX XXXX, I received some back pay from the XXXX XXXX Department and within a few days I noticed that there were several XXXX XXXX transactions totaling {$2300.00} that were withdrawn from my BANK OF AMERICA pre paid card account. Immediately after realizing that I had been robbed and that there was money taken from my account without my knowledge or consent, I contacted Bank of America claims dept and filed a report ( XX/XX/2023 ) .On top of the inconvenience this has caused me and my family, i have been very patient and calm throughout this whole " investigation '' that has been going on for 4 months now with no resolution. I have personally went into the Bank of America branch near my house and have faxed them the necessary documents and paperwork they have asked for to help resolve my claim and have my money returned to me in a timely matter. Included in those faxes were a COPY OF THE POLICE REPORT I made along with an IDENTITY THEFT AFFIDAVIT I filled with IRS. Furthermore, I faxed them a copy of an email I received from XXXX XXXX that stated they were closing an account with my name on it due to fraudulent activity and suspicious transactions. I have called every day for 4 months trying to find out were my money went to and when they were going to replace the funds but I'm still here waiting for a resolution and feedback is to WHERE AND WHO took my money. Very stressful and unhealthy for me to be going through this when I need to money to buy my prescriptions and other mandatory health medication.

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 2024-02-09 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: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
There was a fraudulent inquiry on my report and would like it removed XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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:
This account has caused me significant XXXX, to the point where it's affecting my XXXX. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 non-monetary relief