vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-03 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/2024 I received a spoof phone call from a phone number claiming to be Wells Fargo ( the number was the same listed on the back of my Wells Fargo Debit Card ). From there I was instructed there was fraud on my account. The hackers were able to get into my account during this phone call and transfer {$700.00} from Wells Fargo XXXX XXXX XXXX to my checking account., and approximately {$1600.00} from my savings ( all of it ) to my checking account without consent obviously. I was instructed by the hackers ( posing as Wells Fargo ) to complete XXXX transfers of {$1200.00} to my XXXX XXXX XXXX, claiming they needed a denied transaction in order to remove my debit card from XXXX wallet. After the transfers were initiated, the hackers were able to remotely shut down all my XXXX devices and stole and then wiped my XXXX ID clean. Thus, they now had access to those XXXX XXXX XXXX Pending orders. 

Concerns : 1. ) Fraud claim has been denied.

2. ) Provisional credits of about {$2500.00} will be taken back by XX/XX/2024 ( This is literally all the money I have ) XXXX. ) Wells Fargo allowed these transfers to complete. This should have been notified as scam alert and not allowed to finish pending without further approval/ authentication from myself. 
4. ) There has been zero communication from Wells Fargo, and this bank is allowing me to continue with negative amounts in my account. My money was not protected, verified from the fraudsters transaction, and has been lost ( this includes unsubsidized student loans I received from 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 2024-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Your client XXXX XXXX here on an visa and with two fake SSN numbers XXXX and XXXX. Lying that he purchased XXXX XXXX XXXX in XX/XX/XXXX for XXXX from XXXX XXXX. He gave committed forgery cashing two checks in my name XXXX. XX/XX/XXXX XXXX. Mailed out XX/XX/XXXX. XXXX informed me yes he did it and make police report as XXXX Det. XXXX XXXX XXXX and conducted a affidavit of forgery on XX/XX/XXXX. Recall that XXXX name this deed fraud under XXXX against XXXX XXXX XXXX 

On XX/XX/XXXX at XXXX for XXXX minutes I spoke to XXXX  mortgage department XXXX XXXX and he said a guy name XXXX XXXX XXXX lying saying XXXX XXXX has clear title but is no clear title in this file. They have attached to your loan XXXX another loan as XXXX for XXXX to XXXX XXXX XXXX  and still hiding it and lying to me that they have it. 

On XX/XX/XXXX I spoke to XXXX  checking investigator XXXX and he said that fake SSN number led to where XXXX XXXX cashed your XXXX checks into XXXX XXXX XXXX XXXX AZ same as XXXX XXXX XXXX XXXX  XXXX XXXX just moved her office there a year ago.

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 2024-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX I called Synchrony and spoke to an Account Specialist to ask about the online e-signature document that talks about the right to withdraw consent for online services, and receive paper statements. According to them, if you withdraw your consent so that you may still receive paper statements, they may close the account. If the consumer chooses to receive a paper statement, the consumer will be charged {$1.00} per month. 

The E-Sign Act does not permit electronic statements to be the default, but despite this, some financial institutions appear to be requiring in fine print that the consumer consent to electronic statements as part of the application process. The E-Sign Act does not permit financial institutions to compel consumers to consent to electronic statements by making it a condition of a product. Otherwise, the consumer consent protections of the E-Sign Act would be meaningless, as institutions could make E-Sign a condition for all of their products. If the consumer could be compelled to give consent, the the E-Sign Act 's requirement that the consumer must be informed of their right to withdraw consent and the procedures for doing so would be meaningless. The CFPB should clarify that financial institutions can not charge a fee for written statements when such statements are required by federal law. Financial institutions should not, and indeed we would argue, legally can not, charge a fee for providing something they are mandated by law to provide per UCC 9-210.

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 2024-05-03 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: LA

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 : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX XXXX : Account XXXX XXXX Account XXXX : XXXX XXXX XXXXXXXX : Account XXXX Account Name XXXX XXXX XXXX  XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/year> XXXX XXXXXX/XX/year> EQUIFAX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> EQUIFAX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 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 2024-05-03 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: NC

Complaint narrative:
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2024-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX 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 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 2024-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: DE

Complaint narrative:
Good day. I am XXXX XXXX XXXX, a young XXXX XXXX XXXX XXXX American homeowner of XXXX  years living at XXXX XXXX XXXX XXXX XXXX XXXX. I have been clinically diagnosed as having XXXX, being on XXXX XXXX I preface this because it is my belief my current mortgage company, LoanCare aka XXXX XXXX, is discriminating and exploiting my XXXX, my age, my race collectively and taking financial advantage of my situation. On XX/XX/2023 my home was doused with rain coming thru my roof down thru my ceiling & walls streaming onto all XXXX floors of my home. An insurance claim was filed thru XXXX, my homeowners insurer, on the XXXX and after a few months of adjustment I was granted just over {$27000.00} to repair my home. LoanCare/XXXX was sent the checks and has been sitting on the money needed to repair my home for XXXX months since disbursement citing insignificant & tedious reasons i.e. a XXXX looks like a XXXX on docs, my address isnt listed on paperwork ( when it clearly is! ), having me resubmit documents sent numerous times for weeks which has turned into months. I live in a row home with neighbors on either side of me that have XXXX XXXX issues. My home is exposed to rodents dropping from the ceilings because of the opened gaping holes necessary to get the ceilings repaired. Ive had flying bats in my home I can not do anything about because theyre endangered (? ) yet I and the people that live in my home are living in an active construction area with our health and lifestyles at risk. I have had a licensed legitimate contractor waiting on monies to be disbursed so work can begin however LoanCareXXXX continuously is putting me/us thru hoops with petty issues that have been satisfied several times over. 

I am looking for assistance in getting the help I need to release the monies allocated for my home. I am reporting these actions because I am being violated and victimized by LoanCares discriminatory, illegal activities and practices. I believe they are holding my money back for their own benefits at the cost of mine and my household 's quality of life. I simply want to get my home back and to live in the home I so proudly purchased XXXX  years ago.

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 2024-05-03 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: CA

Complaint narrative:
I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - 2000 Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Incorrect CurrentAddress : - XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXXXXXX 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  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - 2000 Incorrect Previous Address : - XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Incorrect CurrentAddress : - XXXX OAK XXXX XXXX, XXXX XXXX, CA, XXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be 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 explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.

Complaint narrative:
I'm trying to get my free credit report but the site is not working and gives me an access denied error. I've talked to some representatives and they said to file a complaint. I'm living overseas right now so I think I'm being XXXX blocked. 

I'm also having trouble getting my free XXXX score as most sites require a sign up and a XXXX phone number, which I don't have. 

I have the same issue trying to verify my IRS account... is there a way around this? 

How can I get a valid XXXX phone number overseas ( XXXX )? A lot of sites seem to require it. I'm unable to apply for banks, credit, loans, etc.

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 2024-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LendingPoint Holdings LLC
State: LA

Complaint narrative:
LendingPoint reported to the CRAs PAID. XXXX NEVER LATE. Report included. 
XXXX XXXX XXXX is committing FRAUD. I responded requesting the prove the debt with a valid contract with a wet signature. The delivery was made XX/XX/2024 tracking number XXXX. I disclosed the XXXX and XXXX certificates and fines. XXXX XXXX XXXX ignored this communication and is now liable for damages. XXXX XXXX XXXX is attempting to collect on PAID debt reflected on the CRA under LendingPoint LLC for {$16000.00}. Mail fraud will be reported attempting to extract energy from a consumer via the United States Postal Service is a crime. XXXX XXXX XXXX is now responsible for taking adverse action against a consumer it has no rights to. XXXX must Validate pay the fines listed in the communication it received XX/XX/2024. FTC please do something as your site forwards these complaints to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX 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