vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I applied for business credit with XXXX XXXX. One of the primary reasons I was denied my credits was the report said I had to many requests for credit as reported by experians clarity services. To many inquiries. I reached out to experian and claritys report. Disputed the inaccurate information. They deleted all the inaccurate information and updated my new clarity report with accurate information. Because of this inaccurate information on my report. I was denied business credit. The companies violated the FCRA 15usc 1681 a ( 1 ) ( A ) rule. I will show damages I received from this violations this case is affiliated with case # XXXX also attached are emails I got from the companies they say they did a hard inquiries with. They say the dont do hard pulls only soft. As you can see emails from both companies. So why was a hard inquiry done on my report which leads to malice and punitive damages. Knowingly

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 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On Thursday XX/XX/XXXX, I received an email from Venmo stating a dispute case was opened on a transaction involving a payment of {$350.00} sent to me by my fianc on XX/XX/XXXX. The purpose of this payment was to provide me with a portion of his rent so I could then consolidate both of our halves of rent to send to our landlord rather than sending him multiple payments. I handle our bills and rent so this is something we do with nearly anything that is a shared financial responsibility. My fianc has attempted to get an explanation from Venmo, as he did not dispute the sent payment, nor did his financial institution. Venmo claimed they could not give him this information, as he should have it, and proceeded to lock his account. In regards to the alleged dispute, Venmo withdrew all funds in my account, which amounted to {$120.00} and claimed I now had a negative balance of {$220.00} which I needed to pay to unlock my account. Yesterday, XX/XX/XXXX, I called Venmo support in hopes to get some sort of explanation. The support agent XXXX was unable to tell me anything and advised that I explain my perspective of the situation to the Venmo dispute team via email. I then responded to Venmos initial email, explaining neither my fianc nor his financial institution disputed the charge and that the purpose was to collect both of our monies to pay our landlord rent, that I was not a landlord, and that this transaction shouldnt be taxable or disputed as I did not benefit from his sent payment nor was the payment fraudulent. Over the course of the day following my email, Venmo then opened 16 additional disputes on my account, which my fianc could not have done, as he has been completely locked out of his account. Without explanation to me, they closed the investigation of the initial {$350.00} payment, stating I owe the full amount, and now claim I have a negative balance of {$1700.00} and must repay them the funds. All of the disputes they have opened which total that amount are payments spanning the last 6 months which we sent by my fianc in order for us to pay rent and bills. Venmo support will not provide me with any explanation after another attempt today, nor will they assist my fianc as they say he no longer has access to his account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
The escrow account company : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, TIN # XXXX Insured location : XXXX XXXX XXXX Servbank provided a wrong 2023 yearly statement, along with a 1098 form with the same error. Both forms overcharged my account under Insurance payment for 2023. I called asking them to correct the mistake, and the company has not done so far.

The home insurance premium quoted and paid ( I have the quote and the payment statement from the insurance company XXXX XXXX XXXX ) during 2023 : {$1400.00} The home insurance payment reported by the escrow account in Form 1098 : {$4100.00} In brief, the escrow overcharged me {$2600.00} under the insurance payment for 2023 tax year. I called XXXX trying to resolve this, and they refused to correct the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: MO

Complaint narrative:
Another lie and this all they do is LIE THEY RESOLVED NOTHING AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
on XX/XX/year>XXXX  I send letters to experian requesting incorrect items on my credit report to be addressed and as of todayXXXX I still have not heard anything back. 
FCRA states they are to respond within 30 days and I have received nothing meanwhile my incorrect credit still stands. 
This also is my second complaint about this same matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: GA

Complaint narrative:
This complaint to TRANSUNION for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number 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 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: IL

Complaint narrative:
An account was opened without my consent. Information about the account opening was not provided to me when I called. My credit is frozen and I have no idea how an account could be opened without removing the credit freezes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX has been posting late payments to my consumer report I have tried to dispute this information for months and many disputes. it's against the law to report credit transactions on a consumer report. According to 15 U.S.Code 1681a ( 2 ) ( A ) ( i ) Exclusions it states report contains information solely as transactions or experiences between the consumer and the person making the report ; Reporting transactions is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-01-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-01-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo sent me a letter dated XX/XX/XXXX that after reviewing my former accounts, their records indicated that unbeknownst to me was enrolled in an identify theft protection- XXXX XXXX from XXXX. I had 60 days from the date of the letter to contact them, which I did on XX/XX/XXXX. The rep I spoke with said they will cut me restitution check iao {$1400.00} and will be issues in 20-30 days. I contacted them again on XX/XX/XXXX to check the status- they said it was still in processing. I then called a third time XX/XX/XXXX to see the status of the check- again still in processing and said it will be issued in 20-30 days. Same response I received the last two calls. 

Where is my check? Is this a scam? I know other people have received their checks but what is the hold up here. I was taken advantage of by Wells Fargo with having this unauthorized monthly fee on my account ( mind you I also worked for WF during this time so I feel like I was really taken advantage of by my employer ) and done everything on my end to resolve this issue. Come on Wells Fargo DO BETTER and set better expectations on this!!! 

I am also requesting more than the {$1400.00} due to not only this taking longer to get resolved but I was taken advantage as a client and employee. Plus it was on my account for almost 5 years. I would expect it to be more than a {$1400.00} restitution. Thank you.

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 2024-01-31 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: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-01-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-01-31 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: TX

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Higher Education Servicing Corporation, Inc.
State: CO

Complaint narrative:
Greetings, I am writing to lodge a formal complaint against Higher Education Servicing Corporation ( HESC ) for their persistent inaccuracies in reporting my XXXX  loan information to the credit bureaus. These inaccuracies have not only misrepresented my payment history but have also unfairly impacted my credit score.

HESC has reported my loan payments as late on multiple occasions. I have never missed a payment nor have I been late with my payments at any point during the tenure of my loan. The information being reported is not only wrong but appears fraudulent and completely inaccurate. This misreporting has caused significant and undue stress, as well as potential financial harm, due to the negative impact on my creditworthiness. 

I have attempted to resolve this issue directly with HESC on several occasions, providing them with ample evidence and requesting that they correct the information they are furnishing to the credit bureaus. Despite my efforts, the inaccuracies persist, and my credit report continues to reflect these erroneous late payments. 

Given the gravity of the situation and the potential for long-lasting negative impacts on my financial health, I am turning to the Consumer Financial Protection Bureau for assistance. 

I respectfully request that the CFPB investigate this matter to ensure that : 1. HESC corrects the inaccurate reporting of my payment history immediately.

2. HESC is held accountable for the mismanagement and incorrect furnishing of consumer credit information.

3. Measures are put in place to prevent future occurrences of this nature for myself and other consumers. 


I trust that the CFPB will take my complaint seriously and assist in rectifying this issue promptly. I look forward to your response and am hopeful for a resolution that corrects my credit report and restores my creditworthiness. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Hi, I had created a savings account with Marcus by Goldman Sachs on XX/XX/XXXXXXXX  with an initial deposit of {$8000.00}. Since the account creation, I have been locked out and am unable to withdraw any of my funds. 

I have followed up several times with the bank on their customer services contact, but to no avail. Below is the timeline : * XX/XX/XXXXXXXX  - First enquired about being unable to withdraw funds on their website. They responded by saying they were unable to validate my contact number and will need an affidavit of identity to confirm it. This was an unusual request since I had provided by contact details at the time of account creation. 
* XX/XX/XXXX - I was hesitant to mail by personal details, particularly my SSN. Hence, I called to this issue again. 
* XX/XX/XXXX - I mailed them an affidavit of identity with my contact details, address and SSN. To be noted that I had provided all this information already at the time of account opening. 
* XX/XX/XXXX - Well over a month after mailing the affidavit, I first called them and they responded by saying that my account is under review and to wait for a couple of days before I can withdraw. I also requested the agent to talk to a supervisor. The supervisor responded saying they can expedite the request and I would get a resolution in 1-2 business days. If not, I can request for forced closure of the account. 
* XX/XX/XXXX - I contacted them again, 3 days later, but received an identical response to wait for 1-2 business days, after which they would contact me. The affidavit was still under reviewed and they can not unlock until that is processed. When I requested for a forced closure and my funds to be deposited back into my original account, they responded by saying that it can not be done until my account is unlocked! 
* XX/XX/XXXX - The customer service responded that since my contact number is not verified, they are unable to access my details and can not comment on whether they have even receive my affidavit or in what stage of processing it is. The Marcus team will contact me once they complete the affidavit review. 

I am now really worried and frustrated about the legitimacy of this service, even though it is FDIC insured. I am being unfairly blocked access to my own funds. I am a student depend on these funds to pay school fees and house rent. 

I hope this issued is resolved soon.

Company response to consumer: Closed with explanation