vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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:
Hello! 
I have problem with paypal, they close all my cases against scammer seller who didn't ship the products to me. 
They shut his account and they didn't refund me as they will lose money as the seller already cash out the funds from his account. 
any help will me much thankful. 
My paypal account is under : XXXX XXXX regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-19 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: DISCOVER BANK
State: TX

Complaint narrative:
DISCOVER BANK Potentially negative Date opened XX/XX/XXXX Balance {$2500.00} XXXX Account charged off. {$2500.00} written off. {$2500.00} past due as of XX/XX/XXXX. 

XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance XXXXStatus Paid, Closed. 

XXXX  Potentially negative Date opened XX/XX/XXXX Balance Status Paid, Closed. 

XXXX XXXX  XXXX Under dispute Date opened XX/XX/XXXX Balance {$5200.00} Status Account charged off. {$5200.00} written off. {$5200.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$10000.00} Status Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$2100.00} Status Account charged off. {$2100.00} written off. {$2100.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$5200.00} Status Account charged off. {$6500.00} written off. {$5200.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Open. {$520.00} past due as of XX/XX/XXXX. 

XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$240.00} Status Account charged off. {$240.00} written off. {$240.00} past due as of XX/XX/XXXX. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$760.00} Status Account charged off. {$760.00} written off. {$760.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$490.00} Status Account charged off. {$300.00} written off. {$490.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$1400.00} written off. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$420.00} Status Collection account. {$420.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$950.00} Status Collection account. {$950.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$630.00} Status Collection account. {$630.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5200.00} Status Collection account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: EQUIFAX, INC.
State: TX

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 nephew, 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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 have been disputing these fraudulent and inaccurate accounts. I also submitted an FTC in my previous dispute, which I am also including in this dispute.

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 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I made a payment then I proceeded to check emails and notice they sent me an e.ail telling me my account was closed. There was some payment made and because of me being out of town checks weren't deposit to cover payment. I told them I would make the payments and they told me they couldn't help me. I told them I would file a complaint with the cfbp and they hanged up on me.this is Goldsman XXXX XXXX credit card. And they are keeping about {$1300.00} of rewards

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was sent checks by another party and the checks went missing in the mail. There were 11 checks missing, with the amount totalling to {$5500.00}. The checks were deposited into an unknown account at Capital One Bank Account # XXXX. We attempted to contact Capital One bank for more information but they refused to provide any additional information regarding the account. The representative on the phone confirmed that the checks in question were deposited to this account, but they have not taken any action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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:
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.

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 2024-11-19 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have a credit card from Apple since it first came out back in XXXX. I have always paid my payments on time. This is the primary card that I use plus this card also takes off my payments for my Apple laptop and my Apple Watch. In the middle of the night I received a notification on my phone that my spending has been blocked and my account is restricted on XX/XX/XXXX. I immediately called apple ( Goldman sachs ) support through messages to find out the reason and get the card unrestricted but the only answer I got is that account is under review and no more information can be provided at this time. I tried twice and talked to two different agents but no explanation was given. This is the card I use for my daily purchases and my big purchases. Never made a late payment and every month I paid the whole amount off. I have a credit limit of XXXX. My husband is also an authorized user and uses his Apple Card for all purchases. I tried calling today multiple times but no explanation was provided to me at all. I am over stressed as I have no clue whats going on. It is going to affect my credit score that I have worked on very hard if they close the account. As a good customer I have always reported any fraud on the card immediately to Apple. I feel like I am being punished to report transactions that I actually didnt make and thats why my spending is blocked and account is restricted. My monthly credit card usage is between XXXX or even more which I pay every month fully.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/year> a charge in the amount of XXXX was made to my AAA credit card account. I called to report a fraud charge and a claim was opened and the money refunded to my card on XX/XX/year>. On XX/XX/year> the same charge was reapplied to my account and I called to ask why, that's when I was notified that the claim was not found in my favor. The merchant supplied a XXXX tracking number. When I discussed this further with the agent on the phone she stated there was no delivery photo, and we both typed the tracking number into the XXXX site and saw the delivery photo was not my residence. She stated she was reopening the claim and provided a claim number. I missed a call from an agent a few days later and made multiple return called and voice messages that were never returned. I called the fraud line again on XX/XX/year> and that's when they notified me the XXXX site had a limited time to view the delivery picture, I had taken a screen shot with the photo, tracking number, and supposed date of delivery so I was instructed to fax the photo in, I also included a photo of the front door of my residence with my drivers licenses for verification to compare. I was instructed to allow 48 hours to review. I called back on XX/XX/year> to follow up and was notified it was never reviewed but a note would be added to my account to view as a priority and that it would take up to 10 business days, which is not what was previously stated. I called back XX/XX/year> where I was told the case was never reopened unlike previously stated and there was a memo that the fax containing my pictures was unlegible. A note was added to my account to review since the document contains pictures for comparison, not text, and to please contact me at my number to discuss. I told them I had previously tried to notify my assigned claim agent multiple times with no call back, she stated that the agent on my claim had changed and was no longer under review by that person, and my fax had been reviewed by someone different. I asked if that was my new case agent and if I could get their contact information, the representative on the phone stated she had no idea who my claims agent would be and could not provide me with contact information for any representative or persons who had or would review my case. My only instruction was to contact back after 48 hours.

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 2024-11-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: AL

Complaint narrative:
Under the doctrine of estoppel by silence, as referenced in XXXX XXXX XXXX, it is presumed that no evidence of the debt exists.I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and METRO 2 COMPLIANCE STANDARDS.

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 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I paid off my Citi Credit Card in XX/XX/year>. The account was in collections before I paid the card off and citi chose to end their relationship with me which I am completely in agreement with. They removed the account from my online banking the day after the account was settled. So I had no way of accessing the account any more. I considered this matter resolved since the full balance owed was paid. I found out by having my credit report pulled that there was back dated interest in the amount of {$42.00} due which I was happy to pay. Citi did not inform me of the interest due instead they charged me several months of late fees and interest on the late fees. When I called to resolve this matter and inform them of their error I was informed that they would not be waiving the late fees because I had already had fee waivers. I explained to them that this was not me asking them to waive a fee but me informing them that they have a process error. There is no communication that comes from them once the account is removed off online banking and that I was not informed of the interest owed but im happy to pay it minus the late charges. I informed them that this is unethical. They told me they couldn't help me which is a direct violation of Regulation Z.

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 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I deposit {$3000.00} to my bank account, and then they closed my account because they were not happy with the transaction, and they didnt give me back my money,

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 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MS

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 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 explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On both XX/XX/year> and XX/XX/year> our joint business checking account at Wells Fargo was hacked. Our information was changed on our Wells Fargo online platform that day to unknown contact numbers and the alerts were disabled. Then XXXX was used to transfer out {$3000.00} in total to unknown recipients. There were 13 unathorized transactions total and all consecutively from our account. We did not receive any alerts of fraud or weird account behavior except one email a few days later from Wells Fargo saying suspicious activity detected. We ( my wife and I ) called the bank and reported the fraud and unauthorized transactions and that we didn't receive any immediate alerts. They assured us that it did in fact look " fishy '' on their end also ( multiple recipients and all going out at once ) and froze the account and create a fraud case for recovery of funds. About 3 weeks later and they notified us that they could not reimburse the funds because it did not appear to the banks fault.

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 2024-11-19 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: LA

Complaint narrative:
PLEASE HAVE THE HARD INQUIRES BELOW REMOVED FROM MY CREDIT REPORT. I HAVE NO ACCOUNTS WITH THESE LENDERS AND HAVE NO KNOWLEDGE OF WHY ITS ON MY CREDIT REPORT. THERE IS 27 TOTAL HARD INQUIRES THAT NEEDS TO BE REMOVED BUT I HAVE 9 LISTED BELOW. 

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

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