vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I made a payment to Capital One on XX/XX/XXXX as I always have for the past 15 years thru the phone payment system. I noticed the next day that my payment had not posted to my checking account. I thought this was very unusual because it always comes out the day I make the payment so I called Capital One. When I called I immediately receive a message that I had fraudulent activity on my account. So I held on for around 30 minutes. I finally get a rep that said in order for them to tell me what had happened on my account they needed to verify that it was me. So they ask for my cell number and I provided it. Said they were going to send me a code thru my cell phone. They then say that the code can't be sent. Then tell the only way I could find out what and how much fraud was on my account was to provide them with a selfie and a copy of my drivers license.

Of course I went thru three different managers and they all said the same thing. 
They went on to say that they had already verified me thru the number that I was calling from which is a land line! But it didn't matter that they had verified me thru my land line they still had to have a selfie and a copy of my drivers license. 
You see I have had this account for around 15 years Never have been late on a payment and my landline is tied to the account. Not my cell phone number. 
I asked them to add my cell number and then send the code they said NO Way! 
Again they told me the only to find out what was going with my account was to send the selfie and drivers license. 
I ask them to send a code to my email. I gave them my address my social security number etc ... Nope No Deal they said! 
First let me say there is NO way that we will provide our information such selfies and drivers license to a company that is telling me first of all that my card has been hacked and they have already verified me thru my landline. 


We have tried very hard to keep our identity safe, especially after we were part of the XXXX hack. We have frozen our credit and had to get a credit monitoring service. We do not have ANY social media accounts such as XXXXXXXX XXXX XXXX 

THIS IS A TOTAL INVASION OF OUR PRIVACY. IT IS DISCRIMINATION! 

Privacy interests of XXXX XXXX does not seem to matter here. 
I would like to add they were willing to cancel my account without the selfie and drivers license but not willing to tell me what in the world was happening to my account, my personal information and ultimately my credit! 
This is Absolutely Ridiculous! 
This is My account! My credit that is in jeopardy! My money! 
I as of today have No credit card because they have frozen it and WILL not tell me WHY!! 
I haven't been able to sleep knowing that someone has hacked my account and their company isn't willing to tell the person that it effects Anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: AZ

Complaint narrative:
I was extremely concerned to discover that multiple unauthorized inquiries from your company have appeared on my credit report. This is negatively affecting my credit and has caused me unnecessary stress and frustration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
After I was a victim of a sofisticated scam and lost a high dollar amount of money from XX/XX/year> until XX/XX/year>, I reported this to Chases fraud department and complaints department. They did not refund me for the lost money. Even though I have copious amounts of evidence of this scam, Chase did not want to know about it. They did not want to refund me so they fraudulently conducted an investigation and came up with fake results in their favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NJ

Complaint narrative:
On XX/XX/ I recieved notification from MOHELA that interest would accrue on my student loans while in administrative forbearance. However, I am enrolled in the XXXX  plan which is under court injunction at the moment and therefore in forced administrative forbearance. The policy ( which I have attached below ) is that interest should not accrue during this period of forbearance due to the court injunction. Thus, MOHELA is violating the court ruling and Dept of Education policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: LEXISNEXIS
State: TX

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX SSN : XXXX DOB : XXXX LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Attention : Consumer Relations, I recently obtained a letter from insurance company of adverse decision based off my report with LexixNexis. I request a copy of my report to start dispute on a lot of information that is not correct.

Lexisnexis Consumer # XXXX, case # XXXX I have enclosed items that should be deleted ASAP. 
Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

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 2024-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I made payment on this account in full using my bank 's online bill pay service. The payment was mailed by the payment processor on XX/XX/XXXX with a guaranteed delivery date of XXXX which was also the due date of my statement. 

The credit card company pretended not to have received the payment and applied both late fees and assessed interest charges. I protested and they offered to reverse the late fee but not the interest. 

The credit card company further indicated that the payment was delayed due to the holidays, although there was no federally recognized holiday during the time period in question. 

The company attempted to assign blame to me by stating that I should have mailed my payment at least fourteen business days ahead of the due date, which is ludicrous given that USPS first class mail does not take nearly that long.

This is the second time this has happened with this credit card company, and I believe that they are deficient in processing received payments in a timely manner and that they are further exploiting this deficiency to illegally generate interest income. 

Although it is well known and documented that this bank is exiting the credit card industry later next summer due to multiple failures in their business model, they are still obligated to process payments in a timely manner until such time as they officially exit the credit card business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
The information reported under the aforementioned account ( s ) is fraudulent and does not reflect any authorized or legitimate activity on my part. Reporting such inaccurate information violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, the FCRA requires that all information reported by consumer reporting agencies must be accurate, complete, and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: NV

Complaint narrative:
This complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a credit card account opened at XXXX XXXX under account number ( XXXX ), a credit card account opened at XXXX XXXX XXXX  XXXX under account number ( XXXX ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts as reported. The aforementioned accounts and or collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and or collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and or collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

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 2024-12-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MD

Complaint narrative:
My name is XXXX XXXX, and I am writing to seek your assistance regarding an issue I am experiencing with Cash App. Recently, I filed a claim for a fraudulent charge of {$350.00} that appeared on my account. Cash App initially stated that they would refund this amount ; however, they have since denied my claim. Despite providing all the necessary documentation and evidence to support my case, I am still awaiting the promised refund. The charge in question was due to fraudulent activity, and I believe it is unfair and unjust for me to bear the financial burden of this transaction. I am contacting you to help you mediate this situation and ensure that Cash App fulfills its initial promise to refund the fraudulent charge. Thank you for your attention to this matter. I'm looking forward to your quick reply and help. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
On XX/XX/year>, I provided a referral link to a family member so that that person could open up a new savings account with Marcus Goldman Sachs. As Marcus Goldman Sachs advertises on their websites and in their emails, when someone uses a referral link to open up a new account with them, both parties will receive a referral bonus once the account is fully open. While filling out the online application, through the specific referral link I provided, there was a point during which the person filling out the application was directed to call MGS to complete the online application process. We called Marcus Goldman Sachs together to complete the application process and confirmed with the representative with whom we spoke that this new account was opened through my referral link. The representative confirmed. After the end of the month came and went, we called MGS together, as neither of us had received any deposits into our account for the promised " bonus ''. When we called, we were told that there had been a mistake, we were owed the referral bonus, and that this would be corrected. A week went by, and no funds were deposited into either of our accounts. We called again together ( as both parties need to be identified and the cases reviewed simultaneously each call involved both myself and the person I was referring as a new client ), and brief apologies were made, and we were told again that this would be corrected. At this point, we have called back now over 10 times, spoken with numerous employees and the requested " supervisors '' who likely are just other employees posing as someone in management ; almost three full months have now passed, and no further developments have been made on our case ( s ). For the inconvenience, we were told that {$25.00} would be deposited into each of our savings accounts while the issue was being resolved. We have not received that deposit either. We believe that the referral bonus program is a scam. I have been a client of Marcus Goldman Sachs for almost 10 years and have never felt less valued, less appreciated nor respected than in this situation that could have likely been easily and quickly remedied well before reaching this point. I would never recommend Marcus to anyone for any reason and truly believe they do not value their clients and have been frauding people in the same way I have been deceived and without my referral -- yet they have a new client because of me ( but not for long ). Please beware.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Unable to access my credit report due to a phone number being on account want allow me to pass two step verification. I have contacted technical support and customer service team and unsuccessful with getting anyone online to assist. Also, unable to process a dispute because Im not able to pass the two step verification process.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Unable to access my credit report due to a phone number being on account want allow me to pass two step verification. I have contacted technical support and customer service team and unsuccessful with getting anyone online to assist. Also, unable to process a dispute because Im not able to pass the two step verification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I received a call displaying on Caller ID WELLS FARGO informing me of questionable transactions taking place in their system. They caller was familiar with my account balance, account number, and its link to XXXX XXXX and XXXX. This supposed Wells Fargo representative walked me through steps to prevent the transactions from taking place only to later realize those funds were being stolen from my business account. I instantly called the bank however I was on hold for 30-45 which gave the transaction time to be completed. Had Wells Fargo not been slothful in my urgent matter, time would have allowed me to cancel the fraudulent transactions.

I do not know of these individuals that has taken my funds. Please help me recover these funds. 

Wells Fargo should refund all funds fraudulently taken from my business account. As a XXXX yr+ business member, I believe the fraudulent transactions totaling {$9500.00} should be refunded. These funds were earned by my business and illegally taken. Transactions {$3000.00} + {$3000.00} totaling {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Incomplete debt validation response from Midland, as per the FDCPA requirements, including failure to provide the original signed agreement and full payment history. Midland Credit failed to provide full validation documents for the debt they claim I owe.

The Date of First Delinquency ( DOFD ) is inaccurately reported, causing an extended reporting period of the debt beyond the legal 7 years. The debt collector sent notice of the debt to an outdated address I no longer reside at. I have received emails every two days since XX/XX/year>, which I believe constitutes harassment.

Company response to consumer: Closed with non-monetary relief