vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 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: NY

Complaint narrative:
I have sent numerous documents over to global lending services in regards to the loan that was never signed by me. I have sent over my police report which includes an identity theft form, from the state police as well as the original loan that I signed for, XXXX XXXX XXXX has continuously failed to properly investigate this matter, they have sent the loan that was not signed by me and this has been a back and fourth matter for months. Each time I call in, I am told that this matter has been closed and resolved when it has not. They stated I never sent a police report or the original loan that I signed which is dated, XXXX XXXX. I have never signed a loan for any other date or any different rates then what I signed for on XXXX XXXX. It has been over XXXX days since XXXX XXXX XXXX has properly investigated this 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 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: VA

Complaint narrative:
I received a new credit card from Chime in the mail which i had never applied for. I called them and let them know that i never applied for the account. They went ahead and closed the account but when i asked the how the account was created and if there were any charges, they told me i had to file a police report or a report with the FTC. So i went the FTC site which redirected me to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: NY

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-11-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I did not receive my edd card and when I asked for card it was delivered in XXXX. My befits did not get put on my account into XXXX  of XXXX. When I asked unemployment for checks I was told my money was put on a debit card.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my XXXX XXXX. These inaccuracies super XXXX to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this 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 2024-11-12 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: PA

Complaint narrative:
My account with XXXX XXXX  XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Skrill USA, Inc.
State: WI

Complaint narrative:
I've been using Skrill for about 2 months. Around 1 month ago, my account got restricted because they wanted to verify the statement of the card I use to fund that account. 
I provided it, it was approved a few days later, but as soon as I tried to login, the account was restricted saying it had to be reviewed. About XXXX weeks later, with funds stuck in the account, it gets approved. 
I then continue using the account normally. 

Then XXXX weeks later, I get an email saying my account is closed. The only thing that happened differently was that the day before I got the account closure email, I had a " Feedback request '' to which I responded honestly, saying that Skrill is very erratic and non transparent. It will restrict my account without reasons adn when I ask what happened, they would not tell and just hide behind " for security reasons '' as blank check for anything.

If it's security, tell me to verify identity, tell me to update or send a document, but the constant excusing is very non-transparent for a company that deals with individuals money.

Skrill is clearly retaliating me for providing an honest feedback to their platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Order placed on XXXX XXXX XXXX on XX/XX/year> for a dress valued at {$340.00} dollars - paid for expedited shipping Package arrived on XX/XX/year> and left at the front of the lobby ( not at my door ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, leaving only the box ( surveillance footage capturing from building management - videos can be sent ) Contact XXXX customer service on XX/XX/year> ( did not have time beforehand as went out of town for a wedding ) XXXX says they can't issue a refund as the package was stolen and to dispute the charge on my credit card Opened up a dispute with Chase XX/XX/year> Received notice on XX/XX/year> that the dispute was denied and the merchandise was deemed valid due to information received from the Merchant ( despite being told this was my best course of action ) Called both Chase and XXXX XXXX XXXX customer service on XX/XX/year> who both said there was nothing to be done and to contact local law enforcement, although a refund is not guaranteed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to file a complaint regarding Experian 's failure to update my credit report to reflect the forgiveness of my student loans through XXXX. Despite submitting multiple disputes and providing documentation from XXXX and XXXX, Experian has not updated my account to show that my loans were fully paid and forgiven. 
Details of the dispute are as follows : Dispute Report Numbers : o XX/XX/year> - Report Number XXXX o XX/XX/year> - Report Number XXXX Loan Details : My federal student loans, totaling {$66000.00}, were forgiven as of XX/XX/year>. I have submitted all necessary documentation confirming this, including official records from XXXX and XXXX. 
Despite these efforts, Experian has failed to update my account to reflect the loan forgiveness. In contrast, the other XXXX credit bureaus promptly updated their records to show a XXXX balance on my loans.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

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

XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Address ( es ) : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers : XXXX XXXX XXXX XXXX XXXX Employers : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Goldman Sachs Bank USA, XXXX XXXX by Goldman Sachs was notified over two years ago of a change of address. XXXX continues to send my statement by mail to an old address. this creates a problem with getting the statement and paying on time resulting in interest and fees that they refuse to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries listed in my credit report, as I have been a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items removed from my credit file. 
Below are the fraudulent accounts I request to be blocked and deleted : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX XXXX : {$2600.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Additionally, I request the removal of the following unauthorized inquiries : XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: TX

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

Account Name : XXXX XXXX XXXX XXXX XXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of certain accounts on my credit report due to a recent data breach in which my information was compromised. Pursuant to 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ), I am entitled to request the removal of these accounts to prevent further damage and ensure the integrity of my credit report. 
Accounts to be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$370.00} XXXX - XXXX - XX/XX/XXXX - {$4100.00XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2700.00} XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$320.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$8200.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3800.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$3300.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$370.00} XXXX - XXXX - XX/XX/XXXX - {$4100.00} XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$2700.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$4700.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$4300.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} Inquiries to be Removed : XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX. Inaccurate information - " XXXX XXXX  account has become 30 Days Late ''. 

XXXX. Inaccurate information - " XXXX XXXX account has become 30 Days Late XXXX. Inaccurate information - " XXXX XXXX XXXX '' ''. I do not have an account with this creditor. 
XXXX. Inaccurate information - " XXXX XXXX XXXX } ''. I do not have an account with this creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

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

XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: HI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
attended XXXXXXXX XXXX XXXX XXXX  XXXX XXXX  and was fraudulently charged by bartenders during the event. I reached out to the organizer with no reply, and reached out to my bank who denied my claim. 
The bartenders were charging my card multiple times during/after i would purchase a drink, food, etc. 
This is a known issue with festivals and when i reached out to my bank they denied my claim since I had my card, even though I told them that the card was being handed to the staff during each transaction. I researched this online and found that this happens frequently and that staff will sometimes also take pictures of card info for later fraudulent

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 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
On Thursday XX/XX/XXXX a {$3800.00} deposit was made at a XXXX ATM at the XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX, Mi XXXX XXXXXXXX where we are members. The deposit was made with a Navy Federal credit Union XXXX XXXXXXXX visa ATM card into our Navy Federal CU Account. 

The ATM seized the card and kept the cash deposit. When the bank where the ATM is located ( XXXX ) was contacted they explained we would have to wait XXXX week for the ATM to be audited to access the money which would occurred on XX/XX/year>. 

Navy Federal was also contacted as they are our mortgage holder and they started a ticket to investigate as well, in attempts to find the deposit. 

After contacting XXXX XXXX Federal Credit Union again after the audit date on XX/XX/year>, they explained there was a technical issue and the ATM needed to be fixed. 

We waited more time and obtained an extension on our Navy Federal mortgage payment. 

On XX/XX/year> XXXX was contacted again to inquire about the missing funds. They stated at that time the ATM was correctly audited and the funds should be on their way to Navy Federal Credit Union. 

On XX/XX/year> - Navy Federal Credit Union finished their investigation stating that no deposit was made to them and the funds are not in their possession. They ( XXXX XXXX upon asking to dig further stated that they saw the attempted funds deposit transaction and marked it fraudulent under a visa transaction but have not excepted the money. They ( XXXX XXXX shared that the investigation was performed, they did their due diligence do not have the money and the ticket is now closed. 

We need help locating these funds and have made an inquiry with XXXX ATM as well with no response at this time. It is {$3800.00} deposit and we are facing foreclosure if we can not find the funds to pay our mortgage at Navy Federal. 

Any help would be appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-12 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: PA

Complaint narrative:
I noticed unauthorized inquiries on my credit report this morning, and I have no idea why theyre there. Checking my report was part of my routine, but this time there were unexpected entries. Refreshing my browser didnt help ; the inquiries were still there. Please review the documents Ive sent as soon as possible so I can finally have peace of mind on this matter.

Company response to consumer: Closed with explanation