vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 XXXX, 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 XXXX out of XXXX 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. Please see the attached file for what I am complaining about and take immediate actions. 

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 2024-09-02 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
Credit card company failed to send the Hardship application after I spoke to Rep on XX/XX/year> ( XXXX ) in Account XXXX. Unable to pay and company XXXX XXXX XXXX Concora Credit refuse to settle at a reasonable amount and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach AND THE 2024 data breach. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a car loan and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously!!!

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 2024-09-02 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: MD

Complaint narrative:
This account was charged off on the followind date : year 2020. 
Since then the account has repeatedly been updated as charged off every month. This is an update in the paymeny history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it XXXX and you neglect has violated my rigths, I am demanding a deletion of the following account : XXXX XXXX XXXX, account number : 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 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have requested proof that I were late on the accounts reported.

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 2024-09-02 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: CA

Complaint narrative:
I'm filing this complaint because theres a big issue with my credit report. Somehow, information from another person is showing up on my report, and its really messing up my credit score.

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 2024-09-02 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: DISCOVER BANK
State: CA

Complaint narrative:
I disputed a charge on my Discover card, after a vendor continued to bill me, and make it literally, provably impossible for me to change my subscription status. 
And invoice was sent to me with an email that did not work. 
During the dispute, a phone number was provided, which also did not work. 
Lastly, the merchant provided a process that is provably impossible to follow ( it is simply wrong ) to change my subscription status. 
I have not been receiving service from this merchant ( XXXX ) for several months now, but they continue to bill me. 

I opened a dispute with Discover. Surprisingly, Discovered maintained the positions that : 1 ) I must provide proof of cancellation, irrespective of it being impossible to obtain 2 ) It does not matter that the merchant has made it impossible 3 ) It does not matter that the merchant provided false information to Discover 4 ) Once I have made one purchase once, the merchant is entitled to bill my card forever, no matter what. 

The merchant ( XXXX ) billed by credit card multiple times for a paid service. 
The invoices were sent to an email which is not associated with the account. 

The account itself is currently suspended and services are inaccessible, and XXXX has failed to respond to support requests for > 60 days. There is no way to contact support, no way to log in to change subscription status, no services being rendered. 
While that issue in and of itself should be treated as a business fraud separate to this claim, the issue here is with Discover, who has set literally impossible requirements to challenge an incorrect charge on my card. 

Due to their statement that the merchant may perpetually bill me forever for the service and there is nothing I can do about it, I had to close my account with Discover for my own protection. 

Unfortunately, I can not easily capture the chat logs where the 4 positions of Discover listed above were laid out. In any request from the CFPB to Discover, the text of the chat logs should be requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/year>, I received an advertisement from Wells Fargo, offering {$320.00} account opening bonus to do the following : 1. Open a checking account with an opening deposit of at least {$25.00} 2. Receive direct deposits total at least {$1000.00} into the account within 90 days 3. Receive the {$320.00} bonus after meeting all required activities above. 

I met all required activities on XX/XX/XXXX and should have received the bonus then but I did not. I called the bank in mid XXXX and the rep I spoke to at the time told me that I had met all the requirements and that he does not see why I did not get the bonus. He told me to wait till the end of XXXX and call again. I called again on XXXX XX/XX/XXXX and the rep told me that the records showed I did not qualify and that I should call the customer advocacy group. I called that group an XX/XX/XXXX and they provided me a complaint number and promised to get back to me with 48 hours. It's been 72 hours and I have not heard back from them. The Complaint ID is : XXXX. This is a clear UDAAP violation. They sent me the advertisement, sent me confirmation via email that I was eligible for the bonus ( email evidence attached ) and now they are saying I do not qualify for the offer. I have also attached bank statements proving that I met all the offer requirements, including eligible direct deposits total over {$1000.00} during the qualification period. I want Wells Fargo to honor the terms of the account offer and issue my {$320.00} account opening bonus 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 monetary relief
Consumer complaint received 2024-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
This is regarding Apple Card. In XX/XX/year>, I missed XXXX payments of {$30.00} each. In XX/XX/year>, I lost my XXXX that had all the Apple Card information on it -- and for some reason Apple Card prevents you from making an online payment through your bank 's Bill Pay ( which I how I pay for 99 % of my bills ). 

I contacted Apple Card, and they were willing not to charge me interest on the card in XXXX, as long as I made a payment of {$220.00}, by XX/XX/XXXX. 

I made the {$220.00} payment on XX/XX/XXXX, only to discover that {$170.00} of my payment had gone toward fees and interest. They charged me almost XXXX my monthly payment on excessive fees and interest.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Dispute : Late Payments Fair Credit Billing Act : XXXX XXXX XXXXk : I got those late payments because XXXX XXXX XXXX didn't follow the Fair Credit Billing Act. I never received any billing statements 21 days before my grace period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 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: PENTAGON FEDERAL CREDIT UNION
State: MS

Complaint narrative:
Penfed credit Union is very impolite when calling talking to the representative she was very rude and rushy and they still wont remove the credit and I have sent them a letter and even their letters and response to me are rude most incompetent company out there by far!

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 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-09-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC
State: WA

Complaint narrative:
XX/XX/year>2024 I was on a payment agreement for XXXX. I made a payment and they said they never received it so I had to pay again. On XX/XX/year>2024 I made a payment and of {$230.00} and their saying they haven't received it and I sebt in proof from my bank and I been contacting them and emailing them everyday since XX/XX/scrub>XXXX  2024. Nobody has called me or emailed me to follow up. They reported to the credit bureau my account is past due and late of XXXX which is also incorrect information. Their stealing my money and marking my credit with inaccurate information causing my credit score to drop and causing it hard for me to move.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I noticed an unauthorized large amount withdrawal from my chase bank checking account. I called their claim department and went to their branch immediately to dispute the transaction. XXXX, I were told they can not see any details of this transaction until next day it is posted, and can't file the claim at same da. So I reported this fraud withdrawal to the police department and have to wait till next day to make the claim. I called in next day and filed the claim. They told me someone faked my ID and appeared in a branch where is not even in the state XXXX resident, made this fraudulent cash withdrawal. I strongly feel the employees in that branch are not responsible and professional to handle the cash withdrawal. They did not compare the ID that thief present to original documents in their system. They just verbally provided me a reference number and asked me to wait for their investigation when I filed the claim. They can't provide me any confirmation of the claim in written and can't let me easily track my claim status. They told me they will only send me notice by mail once the decision of the claim is made. I feel very unsecured while being taken care of this fraud claim by chase. Chase should be fully liable for my big loss.

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

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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
Consumer complaint received 2024-09-02 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 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: GA

Complaint narrative:
Experian is keeping this inaccurate/invalid account on my credit report. They are in violation of the FCRA 15 u.s code 1681e compliance procedure. They have not properly validated this account before reporting it on my consumer report and did not do a proper investigation after notifying them of the issue. I have contacted them about this account multiple times in the past, and they keep saying this account is verified accurate. The alleged original creditor could not provide sufficient documentation to me. There is no way a real investigation was done on this issue, because the original creditor could not provide sufficient evidence to validated or support this account. This account is inaccurate and must 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 2024-09-02 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:
Thank you to whomever reads this, I paid {$83.00} USD to a " company '', that soon, to be revealed fraud. I never received my goods, I thought was going to and was expecting it but didn't. So naturally as anyone would, I disputed it on PayPal. Seeing as I had gotten no response from the seller and have not received my goods. What PayPal said? They said that my case is illegible for their review. Because Ive filed too many disputes apparently, which only were from the same person that scammed me. They sided with the scammer, and the scammer kept their stolen money. I dont see how this classifies as okay without any further inspection. I have filed a case with the XXXX and will close it once I receive my money back. I might do higher legality measures and taking it to court if needed. Thank you. If you care about your long term customers you wouldnt let such a mistake slip by. The transaction ID is XXXX. My PayPal email is XXXX XXXX

Company response to consumer: Closed with explanation