vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-30 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: FL

Complaint narrative:
I filed a complaint with XXXX back on XX/XX/year> pertaining to an inaccurate XXXX XXXX account informing XXXX the date opened is inaccurate along with the date last active is also reporting inaccurate. XXXX responded and stated XXXX XXXX verified this information. However, this can not be true, as XXXX is still reporting the same open date, and the same date last active. Furthermore, XXXX deleted this same inaccurate account. XXXX is violating my rights under The Fair Credit Reporting Act 15 USC 1681i ( 5 ), 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-2.

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 2024-10-30 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
My checking account with PayPal was compromised. There were XXXX fradulent charges on XX/XX/year> made to " XXXX XXXX '' ( {$890.00} in total ). I was never notified by PayPal of these charges. I only found out because on XX/XX/year> I had to make an online payment and my payment was denied, so I logged into my account and noticed the unauthorized charges took nearly all my money. I immediately reported the charges online. The very next day my case was denied by PayPal. It was an automatic rejection. Their logic was that " I had enough money to cover the charges so I would have known my balance and that means I did it '', which makes zero sense. I called PayPal to appeal my case and request my money back. I filed a police report with my local police dept. I wrote an affidavit proving that it was fraud. I submitted those documents to PayPal. I called Paypal multiple times and always got the run-around. They sent me a partial provisional refund. But then they still denied my case again. I've already canceled my debit card and refuse to activate my new one. I moved my direct deposit to a different bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My latest credit report shows multiple accounts that appear to have been added without permission and are incorrect. Please block and delete these fraudulent accounts at once.

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 2024-10-30 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: TX

Complaint narrative:
To Whom It May Concern : I paid a deposit in the amount of {$2700.00} on XX/XX/year>, to 'XXXX XXXX XXXX XXXX ' to move my personal belongings from XXXX XXXX Florida XXXX to XXXX XXXX Texas for a new job. 

XXXX XXXX XXXX XXXX XXXX turned out to be a fraudulent moving company. It is my understanding that XXXX XXXX XXXX XXXXXXXX is currently under investigation by the Department of Transportation ( DOT ) and the Florida Attorney General 's Office due their fraudulent actions that have significantly, and negatively, impacted numerous individuals. I have attached for reference correspondence I have received from the DOT and the Florida Attorney General 's Office. 

When XXXX XXXX XXXX XXXXXXXX showed up to move my belongings on XX/XX/year>, they demanded that I pay them several XXXX dollars more in cash than the amount per our contract. XXXX XXXX XXXX XXXXXXXX communicated that if we did not pay them this several XXXX dollars in cash ( that was not in our contract ) then they would leave and keep the deposit of {$2700.00}. 

As XXXX XXXX XXXX XXXX committed breach of contract and stole our deposit, I promptly called the Fraud number on the back of my 'General Motors by Goldman Sachs XXXX credit card to inform them of the fraudulent behavior committed by XXXXXXXX XXXX XXXX XXXXXXXX XXXX It is my understanding, based on my credit card agreement with my 'General Motors by Goldman Sachs XXXX credit card that they owe me a fiduciary duty to protect me from fraud. 

I am having significant difficulty removing this fraudulent charge on my Goldman Sachs credit card. Goldman Sachs has provided a link to upload evidence to remove this charge. However, the link does not work. Additionally, I have submitted evidence to Goldman Sachs in writing via USPS to remove this fraudulent charge, however, Goldman Sachs has not yet removed this fraudulent charge.

In addition to paying a deposit via my 'General Motors by Goldman Sachs XXXX credit card, I also paid a deposit with a XXXX credit card. XXXX has since resolved the dispute in my favor and removed the fraudulent charge from my statement. 

My concern is that Goldman Sachs is intentionally making it difficult for consumers to provide evidence to remove fraudulent transactions on their credit card statements. This is because the e-mail link provided by Goldman Sachs to upload evidence does not work. 

Additionally, based on reading the Consumer Financial Protection Bureau 's ( CFPB ) article entitled, 'CFPB Orders Apple and Goldman Sachs to Pay Over {$89.00} XXXX for Apple Card XXXX XXXX published on XX/XX/year>, it is my perspective that I am experiencing the same dispute challenges of other consumers related to Goldman Sachs XXXX broken dispute resolution process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was a very happy XXXX XXXX XXXX account customer who was converted to a Chase account. After the conversion, Chase sent me a letter ( dated XX/XX/year> ) saying that " to better meet my banking needs '' they would be involuntarily upgrading my checking and savings accounts to a higher level of account that would require that I maintain an average daily balance of {$75000.00} in my checking/savings accounts or I would be subject to a XXXX XXXX monthly fee. And quite conveniently, Chase did not include the terms & conditions of both types of accounts ( the from and the to ) so that the reader could compare the features/benefits/fees. It was presented as an involuntary process - a done deal. 

I immediately called Chase customer service to say that I did not want this upgrade and to please stop the process. They assured me that they notated my objection on the account. Later in XXXX, I went into a Chase branch for another service and they asked me about the note on my account. Again, I confirmed with the branch that I did not want this upgrade and they should notate as much on my account. 

In XXXX, I was automatically sent a new Debit/ATM card that was associated with the upgraded checking/savings account that I had informed Chase customer service not XXXX but XXXX that I did not want and would not accept. I looked online, and yes, my account had indeed been upgraded without my consent. 

This automatic upgrade was done without my permission, and is clearly a case of Chase wanting to earn additional fees on the account. Who in their right mind keeps {$75000.00} in their checking account? If my XXXX XXXX ever made a recommendation to do so, I would fire that XXXX XXXX. 

This practice is just as aggregious as the XXXX XXXX cases where representatives were enrolling customers in products and services without their consent. In my case, Chase did exactly that. They auto-enrolled me in a service that had a high likelihood of generating monthly fees for them instead of the free checking that I enjoy today.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: NC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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: NC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: PA

Complaint narrative:
I reviewed my credit report and noticed multiple billing errors. These late payments don't match my usual payment record. Please correct these inaccuracies and update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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: TX

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries from my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a confirmed victim of a data breach. The unauthorized accounts and inquiries listed below were not initiated by me and have contributed to fraudulent activity on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-10-30 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: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
Affirm send me a pc for {$4000.00} but it wasnt a address I live at

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My Checking account with Navy Federal was Fraudulently debited XXXX by XXXX XXXX XXXX XXXX on XX/XX/24 while I was on a Cruise Vacay in XXXX XXXX I did not authorize or make this charge and have reported it to Navy Federal Fraud Dept with no resolution. They have denied my Claim twice and fail to provide me with details of the investgation, contact info of XXXX XXXX XXXX XXXX XXXXXXXX XXXX any receipts of this Transaction. I have repeatly requested this information and Navy Federal refuses to provide this information to me or reimbuse me back my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating t
o a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2024-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Netspend Corporation
State: OK

Complaint narrative:
Since2020 well actually it started in 2019 not receiving a check from tribe when they gave out the checks.I won several sweepstakes when XXXX hit, never received a dime was confirmed to be real and legal. XXXX prizes from another organization that gives out and money, never received anything. IRA XXXX said I didn't work nothing showed but closed file, from my employment and I paid in for XXXX XXXX yrs between XXXX to XXXX x XXXX that XXXX and my employment said they transferred it over to the other company when they switched that verified it. Also my unemployment benefits, stimulus checks, death beneficiary funds, trust fund, Gas and oil from royalties XXXX. And ppl here are trying to kill us was stated that they have XXXX of mine for reassurance and I been lied to about my youngest son on his where abouts.

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 2024-10-30 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: TX

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries from my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a confirmed victim of a data breach. The unauthorized accounts and inquiries listed below were not initiated by me and have contributed to fraudulent activity on my credit report. 
Fraudulent Accounts : XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2500.00} XXXX. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries : XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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: TX

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries from my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a confirmed victim of a data breach. The unauthorized accounts and inquiries listed below were not initiated by me and have contributed to fraudulent activity on my credit report. 
Fraudulent Accounts : XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2500.00} XXXX. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries : XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XX/XX/year> webpage won't allow charge to display. Open credit account has a balance of zero dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: LA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: OH

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-10-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, I requested that Opp loans stop harassing me with emails. I paid my loan in full and receive daily emails to contact them to stop future interest on my account. They confirmed receipt of my request, that the loan was paid in full and that I was removed from all future marketing. I sent a second request and third request on XX/XX/XXXX. On the XXXX, they replied back that it was a computer error and assured it would be fixed. I have received daily emails for the past 30 days with an attempt to collect a debt that is not owed. I wonder if this is a marketing ploy to try to get me into another loan. The interest rates are over 100 %. The company is engaging in predatory lending and collection practices.

Company response to consumer: Closed with explanation