vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXXXXXX XXXX {$470.00} XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX {$380.00} XX/XX/XXXXXXXX  ( Original Creditor : XXXX XXXX ) XXXX {$2100.00} XX/XX/XXXXXXXX  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, I noticed the account XXXX XXXX XXXX was on my Equifax credit report. It says it was opened on XX/XX/XXXX. I have no prior knowledge of this account nor authorized anything regarding this account. I filed an FTC report for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: NJ

Complaint narrative:
Remove these inquiries at the earliest, as I have no knowledge of them, and the company proceeded without obtaining my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: FL

Complaint narrative:
Recently I found some account and inquiries which I never autorize. For sure all of them are froud and must be remove from my credit report as soon as you can. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. CC : Federal Trade Commission, XXXX XXXX XXXX XXXX, Washington , DC XXXX Office of the Attorney General, State of Florida XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Washington, DC XXXX Advocates for Fair Credit Reporting Department of Banking and Finance

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 2024-02-01 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: GA

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN keeps opening up disputes on my XXXX XXXX XXXX  without my request knowledge or authorization!!! STOP IT IMMEDIATELY!! I requested ONE dispute a week ago because XXXX XXXX WAS NOT reporting my on time payments and lower balances to experian and it's XXXX  my credit report score and ability to obtain credit and a roof over my head!! stop all disputes immediately UNLESS I REQUEST THEM IN YOUR WEBSITE!! I DOD NOT REQUEST THREE DISPUTES ON MILITARY STAR I REQUESTED ONE!! close it immediately and do not open a dispute unless i request it on your website!! stop it!!! my star card report on s now current!!

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 2024-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
On XX/XX/XXXX th XXXX  a payment of XXXX was pulled from my account. Then on XX/XX/XXXX another withdraw was taken from my account im the amount of XXXX. I am signed up for ACH payments and the XXXX funds were pulled without authorization. I called on XX/XX/XXXX and was told since two payment were taken out at once it would be escalated and I would receive a refund 7-10 business days. As of XX/XX/XXXX I have not received anything and now being told it would be 60 days for a refund. Not to mention I have been in the phone for over three hours, transferring to multiple different departments then hung up on with no resolution and no call back after giving permission for them to call me back. 
There customer service is horrible and now I have another payment coming up that I dont have money to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Back in XXXX, i was a Wells Fargo Customer. I was struggling to make my mortgage payments. Wells Fargo gave me 2 options to relieve some of the stress. Lock in my Adjustable rate mortgage which they told me would be approved if i did it at a certain date before the mortgage started to adjust. I was denied. Then with the new payments increasing every so often it became harder to keep up with payments. After a couple of Modification attempts always denied. It became clear Wells Fargo wasn't going to help me at all only alternative was Foreclosure Proceedings, which took the life out of my family and myself. Finally after hiring an attorney to help us through this nightmare with Wells Fargo, we lost our home and everything to do with my finances and credit. Home Short Sold in 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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to follow up on my previous communications via mail and the Consumer Financial Protection Bureau ( CFPB ) concerning my request for a reinvestigation and the removal of disputed negative items from my credit report. Unfortunately, I have not yet received any resolution or response from your department, and this matter remains unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: PA

Complaint narrative:
I am writing to follow up on my previous communications via mail and the Consumer Financial Protection Bureau ( CFPB ) concerning my request for a reinvestigation and the removal of disputed negative items from my credit report. Unfortunately, I have not yet received any resolution or response from your department, and this matter remains unresolved.

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 2024-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: ME

Complaint narrative:
Repeated repeat calls about a debt I don't owe

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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:
According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me a lot, and I feel unwell due to this situation.

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 2024-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I have recently just gotten my student loans moved to a new provider unfortunately, Nelnet. So far it's been a very difficult experience. Their website is not user friendly and trying to get into contact with them is very difficult. I spent 2.5 hours on hold before I finally was able to speak to somebody. The reason I had to call is because there was no way for me to apply to the payment plan I wanted online. Then, after she updated my information. It took me THREE months for them to process my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-01-31 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: GA

Complaint narrative:
While taking a look at my report I see inconsistent dates and balances

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 2024-01-31 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: NJ

Complaint narrative:
According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: NJ

Complaint narrative:
According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.

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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
After receiving a copy of my credit profile i noticed a few unrecognizable inquiries that i asked the bureau ( XXXX ) to remove who then gave me the run around a then no update.

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 2024-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX my phone was alerted of 2 wire transfers in my account that took place XX/XX/XXXX & XX/XX/XXXX. I have never made use of the wire transfer feature nor did I confirm use of it at any time. I have no knowledge of the person my funds were sent to nor did I know they were sent. As soon as I viewed I made my claims. 

I made 2 claims. One claim for 2 wire transfers of XXXX dollars. The other for XXXX XXXX XXXX transfer. The XXXX claim was made under reference number XXXX. And the wire transfers that totaled in XXXX dollars was made under reference number XXXX. Along with my claims I opened a new account changed all passwords and requested a new card. 

For the XXXX dollar claim I was accredited my funds back ( XX/XX/XXXX ). But, for the wire transfers XXXX dollars total I was denied on the claim as well as the recall ( XXXX ). I was not responsible for any wire transfers or confirmations to send my funds and system error was already admitted as my first claim was granted. In my denial letter I was told I was the person who confirmed the transfer as their reason for denial. I was not. After reaching out to make a complaint to the bank ( XXXX ) I was instructed up to 10 days and someone would reach out to me with fraud investigation for Wells Fargo. 

I requested a reference number and a call back number or any info that would help me be on the lookout for the call. I received a call during working hours and missed it ( XX/XX/XXXX ). I have been calling back to this specialist every day since. I was given none of the information I requested and it has been well past 10 days since my complaint was filed. Between yesterday & today alone, ( XX/XX/XXXX & XX/XX/XXXX ) I have left over 4 voicemails and 10 missed calls to the number provided by the specialist. I feel I am getting the run around and not being provided protection to majority of my savings. I have talked to 5 different representatives and each time I must explain this whole situation again with no one allowing me to speak to an office manager/decision maker and it has been a frustrating and disheartening experience. I have not authorized any wires from my account in the history that this account has been active. The bank has already admitted there was fraudulent activity replaced everything to do with the account and I was granted the claim with the smaller portions, and given XXXX dollars back in wire transfer fees. 
This is not right and I need my funds replaced for the fraudulent wire transfers.

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 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Please refund {$310.00} in overdraft fees over the last couple days. 

Very sad and disappointed I always have to go through this channel to receive a response from you. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I filed a dispute with Experian to have incorrect information removed from my account. 
They replied that they had settled the dispute but the same information and addresses are still on my report.

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 2024-02-01 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality, under XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : JPMCB CARD ACCOUNT # 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 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