vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/XXXX, I purchased soccer tickets on XXXX. I paid {$400.00} with my Apple credit card, issued by Goldman Sachs. Those tickets were never delivered. I complained to XXXX, and in an email they admitted that the tickets were transferred to the wrong fan. Yet they failed to reverse the charge. 

I provided this information to Apple Card. They denied my dispute because the goods or services allegedly were provided. That is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This account was opened back in XXXX. I had some issues with my account with charges that was not mine. On XXXX of XXXX XXXX written off account. A charge off was done in amount of XXXX. XXXX sent me my XXXX to claim on my taxes XXXX. I disputed it because they keep reporting in on my credit report. I called XXXX they said there is still a balance. Once written off there is no way it can still have a balance. After my dispute. XXXX did another charge off for the same amount XXXX. I have sent XXXX as my proof of this company charge off. The credit bureau does not want to remove off my account. This in not correct information that is being reporting.

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 2024-09-23 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: OH

Complaint narrative:
This account was opened back in XXXX. I had some issues with my account with charges that was not mine. On XXXX of XXXX XXXX written off account. A charge off was done in amount of XXXX. XXXX sent me my XXXX to claim on my taxes XXXX. I disputed it because they keep reporting in on my credit report. I called XXXX they said there is still a balance. Once written off there is no way it can still have a balance. After my dispute. XXXX did another charge off for the same amount XXXX. I have sent XXXX as my proof of this company charge off. The credit bureau does not want to remove off my account. This in not correct information that is being reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: OH

Complaint narrative:
This account was opened back in XXXX. I had some issues with my account with charges that was not mine. On XXXX of XXXX XXXX written off account. A charge off was done in amount of XXXX. XXXX sent me my XXXX to claim on my taxes XXXX. I disputed it because they keep reporting in on my credit report. I called XXXX they said there is still a balance. Once written off there is no way it can still have a balance. After my dispute. XXXX did another charge off for the same amount XXXX. I have sent XXXX as my proof of this company charge off. The credit bureau does not want to remove off my account. This in not correct information that is being reporting.

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 2024-09-23 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-23 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: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

Inquiries not tied-up to open accounts : XXXX  XX/XX/year> XXXX  XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: TX

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 may 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 explanation
Consumer complaint received 2024-09-23 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: FL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Fraudulent wire transfer from a personal joint checking account with Chase bank belonging to my wife and me in the amount of {$23000.00} on XX/XX/scrub>XXXX On XX/XX/scrub>XXXX  I received a phone call allegedly from a Chase bank representative informing me that there had been attempted wire transfers on our account. I told them that those were not initiated by us and hung up the phone. My wife then called Chase directly to inquire about our accounts and was told on a recorded line that there were no wire transfers or fraudulent activity. On XXXX XXXX XXXXXX/XX/year> we logged on to our online account and saw that there was a wire transfer from our checking account in the amount of {$23000.00}. On Monday morning, XX/XX/year> I went to our local Chase branch at XXXX to inquire about the wire transfer and initiate return of the funds to our account. I was told that there had been several attempted wire transfers on the account that had been blocked during this time. Over the next several days we had multiple in-person meetings with Chase representatives at the local branch and multiple phone calls with the claims department. On XXXX our Chase branch representative filed a complaint with the Branch Complaints and Escalation department. On XX/XX/year> I was informed by the Branch Complaints and Escalation department in a voicemail message and subsequently on a recorded line that our claim was approved and that the funds would be returned to our account within 1-5 business days. On XX/XX/year> I called the representative that I had been corresponding with and informed her that the funds were not yet returned to our account. She was very surprised and told me that she would look into it and get back with me. She called me back on XX/XX/year> and told me that the claim was now denied. We met with the branch manager at our local Chase branch on XX/XX/year> and have since contacted the Executive Office to appeal the denial. They have initiated a reinvestigation of the claim, and we are awaiting the results of that now. Their phone number is XXXX. The case ID number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am writing to bring to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress. I am a victim of identity theft and have reported the incident. It is essential to address this matter promptly, as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if needed, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.

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 2024-09-23 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: OH

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I had an account with Bank of America. My account number is XXXX. I am currently stationed overseas and had been using the service XXXX  for currency exchange. My account was charged back by XXXX with funds I used from Bank of America. I was told to file disputes for these transactions to get my funds back. I did so, and provided documentation from XXXX stating that these funds would need to be disputed with and returned by my bank XXXX Bank of America. Rather than assist with these transactions, Bank of America never returned the funds totaling over {$10000.00} and closed my account, while also holding all incoming deposits. I used another bank as well, XXXX XXXX, to fund my XXXX account. While running into the same issue, XXXX XXXX  had no problem correcting my account and ending the disputes properly.

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Late Closed : XXXX XXXX {$770.00} Collection : ( Original Creditor : XXXX XXXX XXXX XXXX {$370.00} Charge Off : XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

Inquiry not tied-up to open accounts : XXXX XXXX XX/XX/year>

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2024-09-23 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: TX

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 may 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 2024-09-23 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: TX

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 may 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Complaint Against Experian for Violations of the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am writing to formally lodge a complaint against Experian, a credit reporting agency, for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I believe that Experian has failed to comply with its obligations under the FCRA by reporting inaccurate personal information regarding my credit report. 

The FCRA is designed to promote accuracy, fairness, and the privacy of personal information in consumer credit reports. Unfortunately, my recent experience with Experian has demonstrated a lack of adherence to these principles. I have identified several inaccuracies in my credit report, including wrong name listed as well as an address. CFBP please have this information removed because that is inaccurate information. 

Despite my efforts to rectify these inaccuracies by contacting Experian directly and providing supporting documentation, I have not received a satisfactory resolution. My attempts to dispute the inaccuracies were either ignored or inadequately addressed, which is not in line with the requirements set forth by the FCRA. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that Experian complies with the FCRA. It is essential that consumers are protected from false information that can significantly impact their financial well-being. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely,

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 2024-09-23 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:
On XX/XX/year>, I mailed in a dispute to remove accounts that are on my credit file due to being a victim of XXXX XXXX Based on the tracking information ( XXXX XXXX ), Equifax received this mail in dispute on XX/XX/year> at XXXX PM. I also filed a dispute online on XX/XX/year> regarding that information that needed to be removed due to my being a XXXX XXXX XXXX. When I called to check the status of the mail in dispute, I was told that they didn't even have my documents. This is now the sixth business day in regards to the mail-in dispute and there is still no update. I called in the morning of XX/XX/year> to get an update on the online dispute with the confirmation number XXXX and I was told that there is no estimated timeframe to get an update. This is now the eighth business day according to the representative. Based on section 605C of the Fair Credit Reporting Act ; " After receiving your submission, the consumer reporting agency has four business days to block the information. 

However, under limited circumstances, the consumer reporting agency has five business days to request additional information from you. '' All timeframes have passed to both block or request additional information and Equifax has refused to do both.

Company response to consumer: Closed with explanation