vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX # # # # # # # # # # XXXX  XXXX charge off closed account, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX # # XXXX XXXX XXXX. has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX # # XXXX XXXX XXXX. has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX inquired on XX/XX/2022. has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX XXXX inquired on XX/XX/2022 has violated my rights. 


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

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX # # # # # # # # # # XXXX  XXXX charge off closed account, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX # # XXXX XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX # # XXXX XXXX XXXX. has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX inquired on XX/XX/2022. has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX inquired on XX/XX/2022 has violated my rights. 


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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXXXXXX  was loooking to get a hat off offerup XXXX $ online from someone said to be from XXXX. Said he needed to check with his brother to see if he's able to ship out since he was out of town at the moment. They agreed to ship out but induced me saying he was more comftorable doing it through XXXX  so I exchanged names, phone numbers, address and social media accounts. The transfer went thru same day and stated they would transfer hat as soon as possible. Oh yeah never recieved anything! Phone number doesnt answer as well blocked me from social media. Opened a scam dispute with wells fargo bank. I filed a police report as well. I would like my bank to help freeze others account responsible for scamming me and to refund my money of {$700.00}. Don't want person to scam more people with same method. I have proof of text messages him aggreeing to transfer hat. He made a package label as well.

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account Numbers : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I applied for a personal loan of $ XXXX  with Wells Fargo whom I'm in good standing with, I have a credit card with them which is now 95 % payoff with just a balance of {$200.00} with a credit limit of $ XXXX. In addition to that I have both checking and savings with Wells ; checking receives direct deposit from employment and savings has a small dollar amount of about $ XXXX. 

I initially got an approval pending income docs be upload which I have two jobs and I provided documentation for both and a credit score of about XXXX, this was XX/XX/XXXX. I then got an email stating that I was denied XX/XX/XXXX due to amounts owed on debit is too high ( I have a car note and a total of 3 credit cards with one paired completely off ) and they couldn't verify my income ( which I provided documents and I work for a XXXX XXXX  contracted through the XXXX XXXX XXXX and my other job is with the City of XXXX XXXX, MN both places easy to verify my income if docs submitted wasn't sufficient ) Wells Fargo has a rich history of denying people of color loans and this situation is no different.

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 2022-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I transferred {$5200.00} dollars back in XX/XX/XXXX to my XXXX XXXX  account with TIAA. At that time, the company could not verify my identity and told me that the money would be placed on hold until I did so. I verified my identity shortly after, and was told that my money would be placed in my XXXX XXXX. I checked my accounts frequently after that exchange but did not see the money in my account, nor did the money go back to my bank account where I transferred the money from. It was XXXX at this point and I decided to wait since it was the holiday season. 

In XXXX, I called TIAA again asking about the status. The person I was on the line with said that I identified my identity too late ( even though they did not send me any emails about this issue, and I found it when I logged into TIAA myself and saw the message there ), and as such the money was being sent back to me. She said I would receive it by check through US mail in 2 weeks. I waited those 2 weeks and in XXXX called customer service again, and was told that they sent the check out. I once again said I did not receive it, and they told me that they will send another check out, and that I would receive it by XX/XX/XXXX at the latest. 

In XXXX, I had yet to see the check and decided to call customer service again. The person on the line said they saw I deposited the money, but have no idea where it went, and said they will call me back. I waited for 2 weeks again, and called customer service again, asking where my {$5200.00} was and when I can get it back. They are still in the process of finding it today ( XX/XX/XXXX ) as they called me the day before to update me on this. I am filing this report because it has been almost 5 months since I transferred my money over and I nor anyone I have spoken to seem to know where it has went. 

*The address on the bank statement attached has since been updated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account Numbers : XXXX, has violated my rights. 

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.

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account Numbers : XXXX, has violated my rights. 

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.

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, 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:
On XX/XX/2021 I sent a letter to XXXX, Equifax, and XXXX regarding unknown and inaccurate things on my credit report. To this day, I have only received template stall letters from Equifax, XXXX, and XXXX. I feel like I'm being taken advantage of and being ignored. 

Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove these unverifiable items from my credit report. It has been 5 months, since I notified the credit bureaus of fraudulent accounts appearing on my credit reports.These items should have been removed a long time ago. I demand these accounts be removed immediately or else I'll file for litigation due to the stress and damage to my reputation that you have caused me. 

My personal information was also impacted by the Equifax data breach, XXXX XXXX XXXX, and other companies who had their systems breached. My personal information has gotten into the hands of the wrong person. The credit bureaus keep reporting inaccurate and unverifiable information on my credit reports as being accurate. However, XXXX, Equifax, and XXXX, nor the ccompanies appearing on my credit report, have yet to send me a contract containing my signature.I have requested contracts from creditors containing my signature and have not received anything. 

XXXX sent me a letter stating they can not validate an account they previously claimed belonged to me then sold to a collection agency ( XXXX XXXX XXXX ). If they can't validate an account they claim belonged to me, nor provide me with a contract containing my signature, then, how can they sell an account that never belonged to me! 

XXXX : Accounts opened as a result of Identity Theft : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX Inaccurate Addresses Reported by XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiries : EQUIFAX MORTGAGE XXXX XXXX XXXX Equifax : These social security numbers are not mine : XXXX. XXXX XXXX. XXXX Inaccurate spelling of my name : My ONLY Legal name : XXXX XXXX XXXX I am not known by these names : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX Accounts opened as a result of Identity Theft : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX : Inaccurate spelling of my name. I have never been known by the following names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts opened as a result of Identity Theft : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WV

Complaint narrative:
My Chime checking was hacked and I for warned my bank that I got an email telling me my phone number was changed. I immediately called Chime and was put on hold several times and sometimes for an hour or more. Then they hang up on me. They had plenty of time to stop any company from taking my social security check but they did nothing. I filled a dispute and got an email from Chime telling me my is closed and I'm not getting my money back. I have never heard of or done any business of any kind with XXXX XXXX that took {$1100.00}. They completely cleaned out my checking and savings account. They have also let XXXX and XXXX take almost {$100.00} a piece. I can't get my meds, food or even pay a bill because they took every XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: IL

Complaint narrative:
US BANK IS REFUSING TO PROCESS DISPUTES ON MY ACCOUNT WHEN I CALL IN I AM ROUTED TO SEVERAL DIFFERENT DEPARTMENTS AND GIVEN THE RUN AROUND

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 2022-04-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Received a Down Payment Assistance grant from XXXX XXXX as part of their 'hardest hit fund ' for {$15000.00} Sold my house and Wells Fargo is requesting me to pay {$9000.00} to them. 

I escalated this all the way up to the president 's office and not a single person can tell me what is going on. 

If the government gave ME money for down payment assistance, why am I required to pay the money back to Wells Fargo when it was never their money, to begin with. I do not feel that I should have to pay anything back since this was a grant, and on top of that if I am required to pay a portion of the grant back, it should go to XXXX XXXX and NOT Wells Fargo.

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account Numbers : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

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

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account Numbers : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

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.

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 2022-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This letter is regarding account # XXXX, which you claim I owe {$3300.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Contacting a XXXX representative on XX/XX/2021, about information on my credit reports that did not belong to me and start dates for the accounts were prior to my arrival in the US. 

The representative could not find my full name in their data system and was sending information out to me to fill out and for their fraud department to contact me. She gave me the ID # XXXX and I provided my address to receive the forms. 

No information was received but one of the accounts was removed and one still showing on my credit report with Experian.

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account Numbers : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

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.

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