vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-17 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-10-17 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: FL

Complaint narrative:
I am currently experiencing financial stress due to inaccuracies in my report, which is limiting my opportunities.

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 2024-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX pm I received an email from XXXX XXXX through my school email account detailing a potential internship opportunity for XXXX XXXX students. The email said to reach out to this number : ( XXXX ) XXXX ; and that's what I did. The person asked for my resume and asked me a few more questions retaining to the job I would be doing. He said I would be a great fit and that he was going to send me a check for {$2500.00} via email for supplies such as a laptop, printer, and office supplies. Here is the email that sent me the check : XXXX. The person then asked me to deposit the check and send the money to his sales representative. I deposited the check into my account and sent {$1000.00} via XXXX XXXX to his " sales representative. '' After I sent the {$1000.00} he asked me to make an additional payment of {$1500.00} and I did it via XXXX because my XXXX  XXXX  was blocking me from sending more money to this person and this transaction occurred on XX/XX/XXXX at XXXX pm. The XXXX  username I sent it to was @ XXXX. The person then sent me another email with another check for {$2500.00} and requested me to send the remaining from the check. I attempted to send the money over and my XXXX  and XXXX  restricted the full amount of {$2500.00} so I sent the person {$500.00} via XXXX  to the number ( XXXX ) XXXX. I then get an email from my Professor at XXXX XXXX on XX/XX/XXXX at XXXX pm saying that the internship opportunity that he had shared prior was a scam. The two checks that I deposited to my bank were bounced and I have now lost around {$3000.00} due to this fraud. I only believed this was real due to the fact that it was sent to my XXXX XXXX email.

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 2024-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had {$660.00} wired to XXXX XXXX, XXXX from my checking account at Chase Bank. And to add insult to injury, I was changed a foreign wire transfer fee of {$40.00}. I did not give written authorization or verbal authorization for this transaction to be created. 
I have NEVER sent a wire transfer from my checking account either domestic or foreign in all the years I have banked here. No one called me to verity or ask any questions. They just wired my money. I now have late fees because I work hard for my money and it takes every penny to live on. When it was reported. My original account was closed and a new one opened. I was told they would contact the bank in XXXX and ask them to send the money back. It has been XXXX weeks and I am struggling. I have visited branches in XXXX, XXXX  and XXXXXXXX XXXX I have provided a notarized affidavit stating I did not initiate or authorize this wire transfer and I NEED my money back. They said they were so sorry but it looks like I am out the money. How is that possible? On my last call with Chase, which was XX/XX/year>, the person informed me that there were several wires initiated and only one went through but they can't tell me why?? On XXXX a wire was initiated for {$1100.00} and was declined. Later that day, a wire came through the wire transfer department for {$880.00}, and was declined. On XXXX, a third wire transfer was initiated for {$660.00} and Chase sent the wire. They have my cell phone and email address on file and not one time did anyone notify me that all this online activity was going on nor did anyone from my bank notify me of this activity. Now they literally are saying, sorry XXXX. 
I need someone to help me please?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Goal Structured Solutions, LLC
State: AZ

Complaint narrative:
I called XXXX too busy to take my call. Could not leave a message. Sent e-mail XXXX as of XXXX no response. Talk to agent on XXXX after 30 minutes on hold paid one time with debit card. I was told that I needed to call bank that you could not set me up on auto payment account number incorrect. Even though XXXX had the same account number for the last 2plus years. I called my bank they said the routing and account number are correct and there is no difference. I called back XXXX from XXXXXXXX XXXX to XXXXXXXX XXXX I was on hold. Paid by debit card again tracking # XXXX was told again that I am set up on auto payment starting XX/XX/XXXXXXXX XXXX XXXX XXXX. XXXX another hold time of 36 minutes. Agent so sorry going to write a ticket case # XXXX with everything thing that has happened XXXX said to give them 24-48 hours to response. It is now the XXXX and no response. I told the agent I am not paying for XXXX or a late fee and when I go on line it is trying to collect XXXX payment now which is not due until XXXX XXXX. I also asked for a copy of information that XXXX was sending by e-mail to the other department which I never received. I received two letters the same day one was a reminder to pay the other saying I had paid. Now I am receiving text message saying my payment did not go through plus automated voicemails telling me to call XXXX. I feel I have tried to resolve this issue in good faith. I am contacting the XXXX  and the Consumer protection Agency. The above information is what I e-mail XXXX on XXXX XXXX XXXX filed bankruptcy and Launch Servicing LLC can not figure out how to set up a auto payment and keep calling texting and now charing me a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: MD

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history 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 to be updated.

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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Update the late payments from my consumer reports

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Kindly dispute the bankruptcy that appears on my credit report, I'm writing. I have a court letter stating to the fact that this bankruptcy should not to be published. This situation gets worse by the involvement of an unauthorized third party.

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 2024-10-17 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: AZ

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX Collection : 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  Bankruptcy XXXX XXXX Bankruptcy XXXX XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX Employers : XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Employers : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Re : Alleged Debt Claim Cease and Desist until Proof of Debt is Certified and Provided via Sworn Affidavit under Penalty of Perjury by an Authorized Competent Witness To Whom It May Concern : This letter serves as my formal response to the continued attempts to collect an alleged debt claimed to be owed by me to American Express ( Amex ). Until such time that a competent witness, authorized to act on Amexs behalf, certifies under penalty of perjury that the amount Amex claims to be owed is indeed due, valid, and legally enforceable, I will no longer engage in any further communications or participate in what I believe to be Amexs fraudulent debt collection activities of extortion, peonage, identity theft, trademark infringement, unjust enrichment, securities fraud and other deceptive business practices causing me continuous harm, damages and injury to which I seek redress.

Further, I hereby notify Amex, its agents, affiliates and representatives that a special tender and performance of an instrument in the amount of one dollar ( {$1.00} ) USD will be issued each and every monthly billing cycle. This tender shall be deemed as payment in full accord and satisfaction of the alleged debt and amount due until Amex can provide the requisite proof of the validity of the amount, or any amount it claims to be owed, not including monthly billing statements, as it has been well-established in numerous court decisions that mere credit card billing statements do not constitute valid or sufficient evidence of a debt owed. In particular, courts have ruled that billing statements alone fail to meet the burden of proof required to substantiate the existence or amount of a debt.

That said, I reserve all rights to challenge the legitimacy of this alleged debt and to take appropriate legal action against any unlawful debt collection practices perpetrated by Amex, its agents, affiliates and representatives.

Please consider this Amexs notice that unless the conditions outlined above are satisfied, I will regard any further contact or collection attempt as harassment and a violation of my rights under applicable federal and state laws.

This notice constitutes Amex 's final opportunity to provide the demanded documentation within fifteen ( 15 ) days of the date of this notice. Failure to comply will result in the immediate initiation of legal action. The preponderance of evidence indicating fraud and theft by deception, carried out with malicious intent to harm, damage, and injure, is now apparent. Should legal proceedings become necessary, this evidence will be presented as admissible proof of Amexs actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: VA

Complaint narrative:
I am now requesting proof of the previous investigation on the following account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information within 5 days update the account to PAID/NEVER Late and send me a copy of my updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: 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 explanation
Consumer complaint received 2024-10-17 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: TX

Complaint narrative:
RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I have disputed JPMCB with the credit bureaus and I didnt receive any informations or contracts from signed as requested was in XX/XX/year> XX/XX/year> and XX/XX/year> i am trying to buy a house for my XXXX kids and wife and this hurts my credit so bad can you please remove it from my credit report to get to my dream and by a house for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: VA

Complaint narrative:
On XX/XX/year> the XXXX XXXX borrowers sent the Department of Education the XXXXXXXX XXXX white paper, XXXX Lies : How XXXX XXXX XXXX and XXXX XXXX XXXX Defrauded a Generation of Students and the Federal Government that detailed copious evidence collected by XXXX borrowers themselves. The evidence comes from lawsuits, settlements, congressional testimony, and federal investigations. Furthermore, our letter to the Secretary of Education cosigned by nine organizations including the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and 1,035 XXXX students, faculty and staff collectively recommends the broad cancellation of all XXXXXXXX XXXX loans. 

I am filing a complaint for the Department of Education to take notice that the borrowers deserve to be made whole from a governmental system of oversight that has failed them. 

I was dependent on the loans for both tuition and living expenses. Due to being on a XXXX XXXX at the time of the closure and XXXXXXXX XXXX  parent company stealing our loans, I found myself without a job or income. This led to being able to be unable to afford gas, food, dog food, and rent. I subsequently had to max out my credit cards and take on more personal debt. Due to that lack of income, I ended up not being able to pay my monthly minimums and had a substantial drop in my credit score, which I am still suffering 5 years later from this drop in credit score. 

This is in addition to XXXX having : Lied about graduation rates, job placement rates, and potential salaries upon graduation ; Lied about available grants, scholarships, and financial aid ; Enrolled students regardless of their qualifications and ability ; Failed to properly inform students about loan options available and the differences between federal and private student loans; Misled students about the actual total costs of education ; Misled students about accreditation and the transferability of credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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:
Iam a victim of identity theft i found a few accounts that i don't recognize and my credit is harmed and they violated my privacy and my consumer rights and ruined my credit and this is illegal i contacted my lawyer and he said we need proof and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief