vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 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: CA

Complaint narrative:
In XX/XX/scrub>XXXX XXXX I was charged a total of {$10000.00} by a company that I had taken classes from about 9 months prior. This amount was an amount that I have not received a receipt for nor authorized for. This amount was an unauthorized charge on my Apple Card. I created a dispute with Goldman and Sachs Co for this since I never approached that amount and didnt make the payment. 

The first time I created the dispute I provided them the past payments I made to the company showing them that the receipts I had were matching the prior payments. However, the recent payments totaling to {$10000.00} was never something I authorized and didnt have a receipt for. Yet my dispute was denied and the merchant was found in the right. 

I disputed again and asked them how can they find the merchant in the right, they dont even have a receipt for this transaction, it is fraudulent. They said that there was no response from the merchant so they sided with the merchant even though I provided them again a proof of trying to reach out to the merchant and asking them why I was charged those amounts and responding to the bank. They never responses to the bank and the bank still sided with them. 

I did a third dispute and it was still denied and I called them again asking why it keeps getting denied and that I literally have no idea how I can prove them that I didnt authorize something and that they keep siding with the merchant even though they dont even get any response from them. 

I asked them to dispute again, for the forth time, and asked them to request from the fraud department for a reason why the disputes are being denied. What proof do they have from the merchant to deny my dispute because I am so sure they had no contact from the merchant. And of course I never received anything upon this request. In fact, this time around, they closed my account with no good explanation. The dispute is still open and I have no idea if it will be in my favor or not. 

Every time I asked the representative for a contact to reach out to their fraud department and every time I was told that the fraud department has no internal number to reach out to that even they can not get in touch with them. Not to mention that the last representative I talked to was super rude, how would the fraud department not have a contact number internally in the company??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
The account in question is with XXXX - Account # XXXX I have disputed this account several times about the in accurate late payment history reporting incorrectly XX/XX/XXXX 30 days late. XX/XX/XXXX are XX/XX/XXXX both being reported 30 days late. Each time the account comeback verified with the same inaccuracy. This is a last ditch effort to resolve this issue. If this account not updated I will have no choice but to take legal action against XXXX and XXXX I expect for this issue to be taking care of promptly within the given time frame. If not I will have no choice but to escalate the matter and take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
SoFi banking closed my account due to my transaction. Not because I didnt have money, but it being on what I spend my money on. They decided to close my account because on where I spend my money at. As if thats any of there business, because I use my money is why it was closed was my very question. They said yes because no reason why I spend all my money there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Went into credit report several times without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX BALANCED {$10000.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$860.00} XXXX XXXX BALANCED {$1400.00} XXXX  XXXX XXXX BALANCED {$180.00} XXXX XXXX XXXX BALANCED {$2400.00} XXXX XXXX BALANCED {$1200.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX BALANCED {$950.00} XXXX XXXX BALANCED {$10000.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$1400.00} XXXX XXXX XXXX BALANCED {$180.00} XXXX XXXX XXXX BALANCED {$2400.00} XXXX XXXX BALANCED {$1500.00}

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 non-monetary relief
Consumer complaint received 2024-12-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX BALANCED {$10000.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$860.00} XXXX XXXX BALANCED {$1400.00} XXXX XXXX XXXX BALANCED {$180.00} XXXX XXXX XXXX BALANCED {$2400.00} XXXX XXXX BALANCED {$1200.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.

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 2024-12-07 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: NC

Complaint narrative:
I am writing to notify you that I am a victim of a data breach and request that the following accounts and inquiries be immediately blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were opened or recorded fraudulently in my name as a result of the breach. 
Please see the affected accounts and inquiries below : Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX Account Number : XXXX, Opened : XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX Opened : XXXX, Balance : {$420.00} XXXX XXXX XXXX  Account Number : XXXX Opened : XXXX, Balance : {$460.00} XXXX XXXX XXXX  Account Number : XXXX, Opened : XXXX, Balance : {$400.00} Inquiries to Be Removed : 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 2024-12-07 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax is reporting a bankruptcy twice on my credit report. I have attached a copy of my credit report as proof

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: AZ

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

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 2024-12-07 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: AZ

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

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 2024-12-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Central Portfolio Control Inc.
State: OK

Complaint narrative:
From XXXX I attended XXXX XXXX , formerly known as XXXXXXXX XXXX XXXXXXXX , and XXXX. During the recruitment process I explained to the recruiter my plans and goals. I wanted to enroll into the XXXX XXXX XXXX XXXX XXXX. I explained to the recruiter my student loan financial debt I had already consumed from when my parents sent me out of state at the young age of XXXX XXXX XXXX. I explained my parents had already burdened me with a financial set back totaling over {$50000.00} worth of student loans, not including private loans. I voiced to the recruiter the emotional, mental, and financial damage I was already burden with at the age of XXXXI voiced that I had little knowledge how student loans work while in school and when repayment starts. I was reassured I would have access to that information. The recruiter started my process and assured me I would be able to jump right into the program due to the already accumulated classes and meeting program pre requisitions. The financial cost will be affordable because I wouldn't require many classes and I could get fees waved. After speaking to enrollment, I voiced the same concerns I had with the recruiter. I was assured this program would be cost effective. I was still eligible the option for federal loans that would cover the program but I did not have any PELL GRANTS available. Graduated in XXXX, I shortly realized I was frauded and not fully disclosed imperative information. I accumulated an estimate of {$34000.00} worth of federal loans. I also discovered two PELL GRANTS were dispersed in the total amount of {$4900.00}, after advised I did not qualify for any. There are also federal loan dispersed to XXXX in XXXX. These were fraudulently taken. XXXX closed the college in XXXX due to financial mismanagement. A settlement was granted and student loans were discharged under XXXX XXXX XXXX. After discovering this information I filed the XXXX for my federal loans. I have also placed a report to the FTC regarding the college 's deceitful and untruth information regarding the college. Both the recruiter and enrollment intentionally withhold information regarding the financial obligations. Recently, the college has placed a collection for a loan, that I have no recollection of, in the amount of {$16.00}, XXXX I have asked numerous times for the original loan documents, financial statements, and disbursement financial documents. I have asked the collection agency for this information as well and nothing has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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 2024-12-07 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: EQUIFAX, INC.
State: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I am writing to formally to file a complaint regarding charge off accounts that continue to be reported on my credit report, despite qualifying as income under IRS guidelines. The reporting of these accounts without the issuance of a 1099-C form is both misleading and a violation of my rights under federal law.

Background The accounts in question was charged off by the creditor which legally classifies the balance as canceled debt and, therefore taxable income under the Internal Revenue Code ( IRC ) 6050P. According to this provision creditors are required to issue a 1099-C form for canceled debt exceeding {$600.00} allowing the debt to report it as income to the IRS, however I have not received a 1099-C for these accounts yet the creditor continues to report the balance to the credit reporting agencies as an active charge-off.

Legal Basis for Complaint Violation of IRC6050P The Internal Revenue mandate that creditors report canceled debt exceeding {$600.00} to the IRS and provide the debtor with a 1099-C form. The failure to issue this form not only prevents me from properly reporting my taxable income but also raises concerns about the creditors adherence to federal law.

Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( A ) : Creditors and furnishes are obligated to report accurate information to credit reporting agencies. Reporting a charge off account as delinquent without issuing the legally required 1099-C creates an inconsistency between the IRS classification and the creditors reporting practices, constituting inaccurate reporting under the FCRA.

Consumer Financial Protection Act ( CFPA ) 1036 ( a ) ( 1 ) ( B ) : it is considered an unfair, deceptive or abusive act or practice ( UDAAP ) to report a charge off accounts as collectible or delinquent when it should be classified as income and documented through a 1099-C.

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 2024-12-07 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-07 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of the following fraudulent account from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of identity theft.

Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX  - {$10000.00}

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 2024-12-07 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of the following fraudulent account from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of identity theft.

Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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:
I am writing to formally request the blocking and deletion of the following fraudulent account from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of identity theft.

Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00}

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 non-monetary relief