vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-10-06 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: OH

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Owed : {$5300.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Starting on XX/XX/ someone used my Citi Bank Mastercard information to make fraudulent charges to my credit card. There were 5 fraud charges totaling {$7500.00}. Citi contacted me on XX/XX/XXXX  saying the charges looked fraudulent so they shut off my card. I confirmed that I had NOT made any of these charges so they told me they would investigate and send me a new credit card ( ending in XXXX ) to replace the one that was used for the fraud ( ending in XXXX ). 
I called Citi at least 10 times because the fraud charges hadn't been credited back until after my XX/XX/XXXX  statement. However they had already charged my card {$110.00} in interest on the FRAUD charges. I called a few more times and they told me each time to NOT pay the interest because they will have it removed in about 3 days. Now it's a couple of weeks later and they also added {$30.00} as a LATE FEE on the {$110.00}. 
I have spent many hours speaking with Citi employees on the phone for almost 3 months ( I have all of their names, dates and times that I spoke with them ) but they still haven't REMOVED the {$140.00} balance for the interest & late fees on those fraudulent charges. 
I have NOT used their new credit since the fraud as I'm waiting for them to correct this problem.

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 monetary relief
Consumer complaint received 2023-10-06 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: MN

Complaint narrative:
Ive tried to change the date of payment for my parent plus loan several times. I called 5 times and have emailed four times and have not gotten through to anyone. Its created excessive financial burden on me and my family because this terrible loan servicer has zero customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX would withhold my money and were not truthful in relaying information as to why this happened. Finally when I asked them to close the account they didnt and eventually charged me even if they made it seem like this was ok. I would call and be redirected countless times as a tactic to get me to hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I have an account of XXXX XXXX  and my friend has an account of XXXX. I sent her XXXX dollars through Zelle transfer on XX/XX/XXXX. Money was immediately gone in my XXXX XXXX  account but was never delivered to my friend XXXX  account. We tried to ask XXXX but they said they could do nothing. We tried to ask XXXX XXXX  for dispute the transfer, but they have no response yet. We tried to contact Zelle, but can not. Please help me with the issue. I would like to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX, I had opened an item not as described dispute for about $ XXXX with Chase Bank for XXXX XXXX that I received a broken XXXX, instead of the XXXX working XXXX I had ordered. I had already returned these items prior to the dispute so I had been asked to provide return tracking number which I did. 

It is now XXXX. I hadn't received any additional correspondence asking for any additional information regarding the dispute, and randomly I got a debt letter asking for the amount that I had opened the dispute for out of nowhere. I paid the debt and had asked why this debt was in my name. It was because I lost the dispute WITHOUT ANY NOTICE WHATSOEVER. I contacted Chase, paid the debt and asked to reassert this claim because it was wrongly declined. 

They refused to reassert the claim. I couldn't believe it. I just lost $ XXXX from a bank that did not want to help me regarding this dispute. I asked for the reasons why it was denied. It was due to no evidence of correspondence from the seller asking me to return the item ( which I had!!! But was never asked for!! ) and because the seller said they didn't receive the return ( which the SELLER DID CONFIRM! AND I HAVE A RECEIPT FROM THE POST OFFICE SHOWING THAT TOO! THATS WHY I OPENED THIS DISPUTE! ) so I was asked to fax evidence of those things. I sent a police report, pictures of my item, the return tracking, return receipt, a notarized post office letter saying it was delivered to the business 's address, and all the correspondence in between of them saying they received it. 

And now nobody wants to help me. I'm getting disrespected over the phone, hung up on, called names, because I trusted Chase to get my money back for me for an open and close dispute. They have my money. And they have my items now too. I filed reports that are illegal to lie on. Why don't I get a refund? Or at least something? Not get a debt collector notice in the mail out of nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: PA

Complaint narrative:
I write to you with a deep sense of concern and disappointment regarding an inquiry on my credit report, originating from XXXX XX/XX/2023. It has come to my attention that this inquiry not only stands as an unjustifiable blemish on my credit history but also a direct infringement of the provisions outlined in the Fair Credit Reporting Act ( FCRA ). I believe you are aware of the FCRA and its importance in ensuring the accuracy and fairness of credit reporting. It is evident that in this case, you have disregarded the very tenets set forth by this legislation, including but not limited to sections 15 USC 1681 and 15 USC 1681a. 

Allow me to remind you that the FCRA explicitly defines what constitutes a consumer report and further outlines exclusions from this definition. Inquiries, such as the one from XXXX XX/XX/2023, fall within the purview of exclusions from a consumer report as per the stipulations in 15 USC 1681a . It is abundantly clear that you have overlooked this vital aspect of the law, leading to the inclusion of an unauthorized inquiry in my consumer report. 

Your actions have not only caused undue distress but have also placed me in an unfavorable financial position. This is an issue I take incredibly seriously, as the FCRA is in place precisely to prevent such situations. Your oversight has left me with no choice but to address this matter with the urgency it deserves. 

I hereby demand that you promptly and unconditionally DELETE the inquiry from XXXX XX/XX/2023, from my consumer report. This request is not just based on my dissatisfaction but on your non-compliance with the FCRA, a law that was established to safeguard the rights of consumers like me. 

I expect to receive written confirmation of the inquiry 's removal within 10 days from the date of this letter. Failure to comply will leave me with no alternative but to escalate this matter to appropriate regulatory authorities and legal representatives specializing in consumer rights and FCRA violations. I am prepared to exercise my rights and pursue necessary actions to rectify 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 non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XX/XX/2023 Wells Fargo own Transaction record clearly showed that {$4500.00} disappeared from my checking account without any knowledge or approval. The missing money was paid to another person account under " XXXX XXXX '' Wells Fargo blamed me for the origination of the " Bill Pay '' ( see attached Wells Fargo finding ). While Wells Fargo transactionrecord clearly showed 1. XXXX XXXX initiated the funds transfer on another computer ( Wells Fargo own reference number XXXX ) This clear evidence refutes Wells Fargo claim this originated from my account which is farcical at best. 

2. No bill payee detailed on my account under " XXXX XXXX '' was ever established from my account. This clearly refutes Wells Fargo blame and assessment this originates from my own account. 

I strongly believe this accounting error originated from Wells Fargo. 
Wells Fargo later than redacted this same transactional record from my access ( point 1 ). Not before me capturing the details. Further avoided any reference to these facts. 

I believe these irregularities ( theft ) is further exacerbated by Wells Fargo own finding which blames me for these missing funds. 
As I've shown these details to Wells Fargo, they have clearly ignored any evidence of findings submitted ( submitted here again ). 

This is clearly theft by an internal employee or an accounting error, which Wells Fargo refuses to research and follow any leads on. What I would expect from banking fudiciary responsibility that is clearly owed to a 40 year account owner.

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 2023-10-06 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: CA

Complaint narrative:
On XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I got my Experian Credit report dated XX/XX/XXXX, XXXX XXXX acct # XXXX shows this account is scheduled to continue on record until XX/XX/XXXX. I called this afternoon to XXXX to inquire when it would be deleted lady named XXXX says she would check system came back after XXXX minutes on hold to say it will remain on report till XX/XX/XXXX told her thats not what was on my report # XXXX for XX/XX/XXXX, XX/XX/XXXX, report # XXXX and XXXX report # XXXX from three reports couldnt be wrong asked for a new report and want it removed XX/XX/XXXX as it says or what shall I do to fix this problem so Im not sure if any thing is correct. Confirmation # XXXX from call today 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
Consumer complaint received 2023-10-06 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: TN

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 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 2023-10-06 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2023-10-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: TX

Complaint narrative:
I previously worked as a XXXX party retail seller for XXXX and my XXXX and XXXX was supposed to be at a discounted price the did not disclose that if I change services then I would lose that discounted price.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: Freedom Mortgage Company
State: CT

Complaint narrative:
In XX/XX/2021, I paid the mortgage as usual. They had changed the payment amount due to escrow issues and it was {$140.00} less than what supposed to be paid. I kept paying the mortgage all these months in the correct amount but got more behind because they kept accessing fees I was unaware of. No one ever called and did not get emails stated the mortgage was delinquent. I'm getting more behind because fees every month which I think is unfair due to XXXX payment that was shy {$140.00}. The XXXX late fees are usery.

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 2023-10-06 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: 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 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 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I believe the following account is invalid. XXXX XXXX XXXX XXXX  needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration or material alterations, and that the original lender provided value. Further, that the alleged account was transferred in good faith and by the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the following account to be removed from my credit & their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. XXXX XXXX ACCT # XXXX HAS VIOLATED MY RIGHTS, 15 U.S.C 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY.

15 U, S, C, 1681 SECTION 604A 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 2023-10-06 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: AL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA, you are required by law to remove & block any items that are found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief