vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
On XX/XX/year> I called XXXX by Goldman Sachs about why my account wont allow any transfers from my savings account. They then forced closed my account and will not say why they were doing so. The representative on the line then said that the remaining funds {$XXXX} will be mailed back out to me or sent to the account I originally sent it from within XXXX days. On XX/XX/year> I call the company once more to follow up on the account since none of the funds have been mailed or transferred back. The representative on the line says that the account is still under review and that the timeline of when the account will fully close is unknown. I then ask to speak to a higher up and she then said that no one is able to estimate the timeline in which my account will close. She then said that the account will need to be done being under review then theyll have to process the check, then it will take XXXX business days for the check to come in. I have no access to the account online because they have closed the online account and have emailed me about the account being closed on XX/XX/year> and that my statement preferences have changed XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I strongly dispute the validity of this account as reported. The balance and charge-off details are incorrect, and the account has already been resolved. I demand that you investigate this issue promptly and remove this incorrect and misleading information from my credit report to reflect the true status of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Initially, I received a notice in the mail from Chase saying that they were ending the relationship with XXXX XXXX XXXX for reasons they couldn't disclose. 

When I called, emailed and visited the branch they kept deferring me to set up a meeting online. I did that and they never called on the assigned date XX/XX/XXXX at XXXX. 

XX/XX/XXXX I received a call from an XXXX number I believe, which I luckily answered and they finally asked me if a rep had been in touch. I told them no. 

On XX/XX/XXXX I received an email from XXXX XXXX at JP Morgan notifying me that " I understand the importance of your banking relationship with us, and I assure you that this decision was made after careful consideration. While I am unable to reverse the decision, I am here to assist you in any way possible during this transition period. '' When I asked again for the reason of closing my account, she didn't answer and simply said, " You can go into a local branch to withdraw funds. Once the account reflects a {$XXXX} balance we can proceed with the account closure. '' Given that my former bank, XXXX XXXX XXXX, was acquired from Chase this year in mid-summer. I have already been through that painful process of moving funds over and transitioning all my accounts. Now, end of year, I need to go through that again. 

I would like and deserve a reason for the closure, especially since I did not violate any company policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: FISERV FINXACT CORE
State: CA

Complaint narrative:
I have been unable to transfer funds from my XXXX account to an external account due to a reported system outage that I was informed has persisted for over a week. While I have personally experienced this issue for a shorter period, XXXX has offered no resolution to restore external transfer functionality. Instead, I was directed to withdraw funds using an ATM. Initially, this would have required me to incur a fee, but after escalating my concerns, a supervisor identified a fee-free ATM as a workaround. This does not address the core issue of restricted access to my funds via the normal account functionality. 

On XX/XX/year>, I spoke with XXXX XXXX and requested to escalate my concerns to their legal department. During this conversation, the supervisor submitted an internal complaint on my behalf, inaccurately stating that I intended to sue the companya statement I never made. I explicitly requested that the inaccurate complaint be rescinded, but the supervisor refused. 

This situation has caused me undue stress and concern about potential retaliation. I believe the companys failure to provide normal access to my funds, coupled with its refusal to correct an inaccurate internal report, raises serious concerns about compliance with federal consumer protection laws and the professionalism of its customer service practices. 
Key Issues : 1 ) Prolonged system outage restricting my access to funds through normal account functionality.

2 ) Lack of transparency and accountability in accurately representing my statements and addressing my concerns.

3 ) Potential noncompliance with federal regulations requiring reasonable access to customer funds.

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 2024-11-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Today, I checked my credit report and noticed that there's an inquiry that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me anxious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
There is a woman with the same name as me, XXXX XXXX, that also lives in XXXX and has a similar birth date as me. Her BANK OF AMERICA accounts are consistently being reported on my XXXX accounts. 
There are currently XXXX credit accounts of BANK OF AMERICA that do not belong to me and XXXX XXXX answer the phone so I can fix this problem. Currently as of XXXX XXXX there is XXXX credit card reported on my experian for {$1400.00}, opened on XX/XX/XXXX and another BOFA account for {$2400.00} opened on XX/XX/XXXX which do not belong to me and are being reported on my account. 
This is not the first time this has happened, in XXXX I had to file a police report BSO case # # XXXX to find out that it is not identity theft but rather a mistaken identity, the police XXXX XXXX XXXX said It appears that errors were made by several organizations causing the mix up with your credit. After obtaining information via subpoenas from the XXXX XXXX, XXXX, and Bank of America. It appeared that the similarities in your name and date of birth with another individual caused the mix up. 

This needs to stop happening. 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 2024-11-20 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: NY

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below from my credit report. I am a victim of a data breach, and these accounts were opened or reported without my knowledge or authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed as they are the result of identity theft. 
Fraudulent Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$55.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$440.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$730.00} XXXX - XXXX - XX/XX/XXXX - {$520.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: NY

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below from my credit report. I am a victim of a data breach, and these accounts were opened or reported without my knowledge or authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed as they are the result of identity theft. 
Fraudulent Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$55.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$730.00} XXXX - XXXX - XX/XX/XXXX - {$520.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: MD

Complaint narrative:
and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: FL

Complaint narrative:
1. Failure to Validate the Debt : Under the Fair Debt Collection Practices Act, I have previously requested validation of this debt starting back from XXXX of last year and numerous times since. To date, the creditor has not provided any original signed contracts or agreements that legally bind me to this debt. Copies of statements or generic account summaries are insufficient and do not constitute proper validation. 
2. Incorrect Reporting of Charged-Off Debt : Since these accounts have been charged off, I should have received a Form XXXX from the creditor, indicating that the debt has been canceled and considered as income for tax purposes. XXXX is not a tradeline and should not be reported on my credit report. The continued reporting of these charged-off accounts is in violation of the Fair Credit Reporting Act, as it does not accurately reflect my current financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX - XXXX - {$740.00} XXXX BANK XXXX XXXX XXXX - {$2300.00} Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SG and Associates
State: GA

Complaint narrative:
I have disputed this account several times in request to receive information from the original creditor. They are listed on my report as the original creditor and that in itself is FALSE. On each occasion I receive no information and the dispute is updated as not changed. This account reappears on my credit report each year with a new date in XXXX and I have had no correspondence with the original creditor or them. With this information I can prove satisfactory payment to the original creditor which is NOT what is listed on my 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 explanation
Consumer complaint received 2024-11-20 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: NY

Complaint narrative:
I am writing to formally request that you block and delete specific fraudulent accounts and inquiries from my credit file in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
I am a victim of a data breach and have discovered fraudulent activity in my credit report that I did not authorize. The details of the fraudulent accounts and inquiries are as follows : Fraudulent Account : Creditor Name : XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9700.00} Fraudulent Inquiry : Name of Creditor : XXXXXXXX XXXX  XXXX of Inquiry : XX/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 2024-11-20 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: EQUIFAX, INC.
State: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Prince Parker & Associates
State: WI

Complaint narrative:
We received a notice from Prince Parker in early XX/XX/XXXX that we owed XXXX XXXX XXXX $ XXXX.for equipment that was returned to XXXX XXXX XXXX XXXX XX/XX/XXXX. This was XXXX & XXXX fault for not notifying us sooner that the money was owed even after we returned the equipment. WE remember because we dropped it off at the XXXX XXXX on our way to TSA in XXXX. XXXX re-uses tracking numbers after 120 days. Since we couldn't retrieve the number from XXXX we paid the {$210.00} XX/XX/XXXX. Prince Parker has benn blowing up my wifes phone so terribly she thought of getting a new phone number. That would entail making many, many people aware of her new number. Prince Parker also mailed another another collection letter on XX/XX/XXXX. We want Prince Parker to stop annoying us and harassing us as this is getting ridiculous.

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 2024-11-20 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: 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.

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 XXXX 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 non-monetary relief
Consumer complaint received 2024-11-20 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After a thorough review of my updated credit report, I have discovered that your company is reporting inaccurate and incomplete information that is adversely affecting my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After a thorough review of my updated credit report, I have discovered that your company is reporting inaccurate and incomplete information that is adversely affecting my creditworthiness.

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 2024-11-20 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: CA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX BANK # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX P XXXX XXXX C U Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief