vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: NE

Complaint narrative:
On XX/XX/2023, I initiated a transfer from my newly verified external savings account to my PenFed savings account. This transfer was immediately returned on XX/XX/XXXX and I was given a {$30.00} ACH returned item fee. I called PenFed to inquire as to why this happened, as this account was verified with the trial deposits, and customer support informed me that the external account number was incorrect when I read back the account number to the customer support agent. 

On XX/XX/2023, I contacted them again to see if this could be removed prior to the closure of the account, as the verification process should have ensured that I was using the correct account, especially so since the trial deposits were successful. This fee was unable to be waived and I would be charged the {$30.00} fee, plus an additional {$5.00} fee for debit card usage, prior to closing my account. They were unable to tell me why the transfer was returned.

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 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX a fraudulent charge of {$800.00} on my bank of America card from XXXXXXXX XXXX XXXX  in XX/XX/22. Immediately I disputed it with Bank Of America and they temporarily refunded the amount as they reached out to the merchant. 
Bank of America responded XXXX and refunded the amount pending investigation. 
On XXXX Bank of America withdrew {$800.00} that they had refunded. They claimed that XXXXXXXX XXXX XXXX  provided proof of delivery. 
However NO Shipping Company wasTracking Information was provided. 

The email provided for the company is XXXX There was no CVV response provided. 
He claims it was processed though XXXX  and a processor called XXXX XXXX I haven't made any purchases with XXXX 
My card wasn't present. 

Bank of America is refusing to refund this fraudulent charge.

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 2023-12-28 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:
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 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 XXXX 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 2023-12-28 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: TX

Complaint narrative:
Please be aware that this is my final notice that I am sending you before I move forward with suing your company due to negligence, defamation of character, and violation of the FCRA. The following account XXXX XXXX XXXX XXXXXXXX should be removed from my credit report IMMEDIATELY. I have attached the letter from XXXX XXXX showing that you are reporting the wrong balance on my credit report. You are reporting that there is a balance of {$11000.00} which is completely incorrect. Also, the company is trying to collect a debt which is over the statute of limitations in the state of XXXX. The account was to be removed from my credit report in XXXX of XXXX, yet it is still reporting. You are also furnishing different information such as the balance and the Date last active. I will attach my credit report to this complaint showing the erroneous errors and the date showing that this debt is uncollectable and the account being over 7 years old. At this time, I am only requesting that this account be removed within 15 days. If this account persists, I will have no choice but to proceed with legal action against your company. Please see the attached docs and remove the aforementioned 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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please be aware that this is my final notice that I am sending you before I move forward with suing your company due to negligence, defamation of character, and violation of the FCRA. The following account XXXX XXXX XXXX XXXXXXXX should be removed from my credit report IMMEDIATELY. I have attached the letter from XXXX XXXX  showing that you are reporting the wrong balance on my credit report. You are reporting that there is a balance of {$11000.00} which is completely incorrect. Also, the company is trying to collect a debt which is over the statute of limitations in the state of XXXX. The account was to be removed from my credit report in XXXX of XXXX, yet it is still reporting. You are also furnishing different information such as the balance and the Date last active. I will attach my credit report to this complaint showing the erroneous errors and the date showing that this debt is uncollectable and the account being over 7 years old. At this time, I am only requesting that this account be removed within 15 days. If this account persists, I will have no choice but to proceed with legal action against your company. Please see the attached docs and remove the aforementioned account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to request the removal of certain accounts from my credit report. After a careful review, I believe the information related to the following accounts is inaccurate : Accounts are paid in full. XXXX XXXX # XXXX date XX/XX/2023, XXXX XXXX # XXXX Date XX/XX/2023, XXXX XXXX XXXX XXXX # XXXX Date XX/XX/2023 Enclosed are supporting documents received from the company for your review. I request a prompt investigation, verification, and update of my credit report in accordance with the Fair Credit Reporting Act. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to request the removal of certain accounts from my credit report. After a careful review, I believe the information related to the following accounts is inaccurate : Accounts are paid in full. XXXX XXXX # XXXX date XX/XX/2023, XXXX XXXX # XXXX Date XX/XX/2023, XXXX XXXX XXXX XXXX # XXXX Date XX/XX/2023 Enclosed are supporting documents received from the company for your review. I request a prompt investigation, verification, and update of my credit report in accordance with the Fair Credit Reporting Act. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
On XX/XX/XXXX I opened an XXXX savings account with Marcus by Goldman by transferring {$220000.00} into the new account. This is all of my savings other than $ XXXX for emergency. The account states that once opened, it has no limit on how much and how often I can withdraw funds from this account. 

On XXXX I withdrew {$1200.00} back into my XXXX XXXX account. No problem. 

On XXXX I withdrew {$6200.00} back into my XXXX XXXX account. They said there would be a 3 day delay which I thought was strange, but was eventually transferred. 

On XX/XX/XXXX I received an email from Marcus by Goldman that my account was now frozen for fraud. I immediately called them and they said it was frozen for fraud and they couldnt tell me why. I then requested them to close my account and to have the remaining funds transferred back into my XXXX XXXX account. They approved and said it would take 7-10 business days. 

On XX/XX/XXXX I had not received the transfer so I called them to request a status update. After speaking with a few agents they confirmed my savings account number and amount and that it would be transferred in 1-3 business days. 

On XX/XX/XXXX I still had not received the transfer, so I called back. This is now the 13th business day from the original request. They said my account is still under review and they are not sure when it will be approved to be transferred. They gave me generic answers about processes and what not. I expressed all my money is in this account and I need it to pay my bills. Each time I call it takes about an hour and I get nowhere. Im not confident that I will ever receive my money back. I was then transferred to someone else who again confirmed my XXXX XXXX savings account number and dollar amount and said this would take 1-3 business days. They gave me a money transfer case number of XXXX. 

Each time I talk to someone they act like this is a brand new request from me. I now have credit card bills I need to pay and they are holding my money hostage with no confident answer as to when they will transfer it back. All I want to do is close my account and have my money transferred back to my XXXX XXXX account and they are refusing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: FL

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : XXXX XXXX AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX my husband and I received XXXX dated XX/XX/XXXX notifying us of a matching error on our tax year XXXX XXXX filing ; specifically for Payment Card/Third Party Trans from Block, Inc , F/K/A Square , Inc , in the amount of {$100000.00}. 
The receipt of this letter on XX/XX/XXXX is when we first became aware of the unauthorized and fraudulent use of my husband 's social security number. We then checked tax transcripts and found a second account was opened in XXXX totaling {$89000.00}. For XXXX alone the IRS is proposing a tax bill of {$41000.00}. 

Neither myself or my husband have ever held such a payment account through Square, and certainly were not aware of or authorized this account. Additionally, the unusual account activity indicated in the transcript does not reflect our financial behavior. 

Attempts to remediate this matching error through Square directly have been ignored and the case # was closed automatically after they " did not hear from me '' for two weeks even though they never responded. Since the case was closed, 40 emails have been exchanged with their customer service email with no traction. I am unable to speak to a person directly since their support line does not recognize my phone number as I do not have an ( authorized ) account. 

We have additionally filed a police report with XXXX XXXX XXXX XXXX of Oregon, which has also yielded no results. 

I am astounded that a financial institution has made it virtually impossible to contact them, that there is no way for me to know what financial institutions are using our social security numbers for this type of third-party payment processing, and whatever method they are using to verify accounts is sorely failing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: NJ

Complaint narrative:
I'm getting 100 % frustrated with Equifax and their lack of response to my request for info on my report that is not accurate. I have not received a response to my 2 previous request for them to update my personal information and update late payment recordings from XXXX XXXX. I have file formal complaints now against both companies for violating my consumer rights. This account was never late and Equifax did not contact me to validate that info was true before reporting it as such on my consumer report. This info has damaged my credit profile and prevented me from obtaining credit. The worst part is it is false! If I can't get this rectified I will explore legal options and pursue Equifax because I've had enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2023-12-28 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: FL

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.

has violated my rights. Or a list of inquiries : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Account was charged in error for XXXX purchases that I did not authorize. Merchandise was returned but can't receive a refund because the card used was closed due to me disputing the charges. Truist closed my investigation based on my " habits '' of shopping on XXXX. I noted to them if they checked my checking account my XXXX purchases would be max of {$20.00}, I was charged with 6 transactions totaling more than {$350.00}. My money can't be returned because the claim was denied, and XXXX can't refund a card that's closed. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Truist 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 2023-12-28 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: FL

Complaint narrative:
XXXX XXXX XXXX reported on my credit an account opened XX/XX/22 for the amount of XXXX. This account DOES NOT BELONG TO ME. Please remove from my credit report 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 2023-12-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
On XX/XX/2023, I sent in a Lawful Notice of Dispute, I gave the company a period of ten ( 10 ) days from the date of your receipt of my notice and if not then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. It's been over a month and they still have yet to provide this information or to delete this information from my credit report. They are now in default. They are also violating Fair Credit Reporting Act ( F.C.R.A. ), Violation of the F.D.C.P.A., Defamation of character by reporting this debt on my credit report while also violating 15 U.S. Code 1681b since they never got my permission to report this in writing, and also, the use of my copyrighted property. Their lead supervisor even admitted to committing fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I am writing to bring your attention to the accuracy and completeness of certain information that has been reported about me. 

-- -- -TransUnion -- -- - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX -- -- -XXXX -- -- - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX -- -- -XXXX  -- -- - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2023-12-28 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:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

Company response to consumer: Closed with explanation