vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/21, fraud was committed on my checking and credit card accounts with Wells Fargo. {$7200.00} was sent via cash advance from the platinum credit card into the checking account. From the checking account, the perpetrator wired the {$7200.00} ( from the credit card ), along with around {$2000.00} ( from my checking ) to another account. A wire transfer fee of {$30.00} was charged to my checking, a {$360.00} cash advance fee & {$61.00} interest charge were charged to my credit card. Charges are still present & fees continue to pile on I reported this to WELLS FARGO on the day that this occurred & communicated that I did NOT authorize any of these transactions. Representative filed a claim and assured me that this issue would be investigated & resolved. Also, I was told that the issue would be addressed and my funds restored within 10 business days. I have called regularly to check in on the status. 

The credit card is still maxed out and Wells Fargo has continued to charge additional fees ( cash advance, interest ). Wells Fargo DID NOT request a verification or confirmation from me for this fraudulent wire transfer. They did not flag the transaction- despite me NEVER wiring money or ever making large amount transactions. They have in the past contacted me to verify unusual or suspicious purchases with small amounts. Yet they did not think a {$9100.00} transfer was unusual??? I trusted them with the safety of my accounts. Ive been an account holder for XXXX years and have paid my bills responsibly, and work hard for the money I earn. My Wells Fargo card, prior to this incident, had a status of ON TIME, NEVER LATE for payments. It also had a {$0.00} balance at the time of this fraudulent transaction. 

Wells Fargo has not assisted in resolving this issue and has not restored the funds that were depleted. Instead they expect me to pay off this overlimit amount on the credit card- that occurred due to fraud and Wells Fargos negligence. 

I have filed a police report, filed a complaint with the XXXX XXXX XXXX  and multiple complaints within Wells Fargo. 

My credit score has gone down XXXX points due to the overlimit balance on the credit card. My checking was almost completely depleted ( the scammers left a whopping {$140.00} out of the {$2000.00} I had in there ). Ive communicated the multiple ways that this incident has negatively impacted my life and Wells Fargo has done NOTHING to resolve this issue. It is XX/XX/XXXX and Ive had to live without use of the funds I thought were safe in the Wells Fargo checking account OR the Wells Fargo credit card that I thought Wells Fargo would make sure was secure.

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 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2021 I received 3 letters that stated on each one that a previously disputed item that had been removed from my Equifax credit file was being re-instated and in each case on the same date the underlying company had submitted 'a certification that is complete and accurate. I very much doubt on the very same day, 3 different companies sent in certified documents stating the account was accurate and needed to be re-instated. It is more likely the case, Equifax has lied about receiving such documents and the software decided to re-instate previously deleted accounts that were deleted at the time for a particular valid and legitimate reason. This action seems arbitrary and against many of the statutes of the FCRA and possibly other federal laws that may even be unlawful. Millions of customers are affected by the breach, as I was one of them, and now a loan I was working on needed a score of about XXXX and therefore I was approved but the day of the signing it had fallen XXXX points in one day due to this misuse of power, and summarily denied due to no action on my part. Equifax needs to have a large fine levied against them for placing false information on purpose into a customer 's file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The accounts are not mine. I do not recognize them and I am victim of identity theft. Please take a look at these accounts below and make investigation someone stole my personal data After investigation please delete these accounts from my personal credit profile XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co - XXXX Please help me and remove them

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 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The accounts are not mine. I do not recognize them and I am victim of identity theft. Please take a look at these accounts below and make investigation someone stole my personal data After investigation please delete these accounts from my personal credit profile XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co - XXXX Please help me and remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 i sent a letter regarding inaccurate, unauthorized, and things unknown on my credit report. It has been over 30 days and i have not received a response yet. I sent a second letter on XX/XX/2021 and still havent received a response. I feel like Im being taken advantage of and being ignored by my disputes. Section 611 ( a ), it s plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand the accounts be deleted immediately or i will file for litigation due to the stress you abused me. My information was impacted by Equifax data breach, and a XXXX XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been paying to have my credit file as well as my wife 's credit file frozen for about XXXX to XXXX  years or more. I did the same with for the other XXXX credit reporting agencies as well. Initially, the only way to get a freeze from Equifax was to pay as part of a monitoring program. Which I have done since I starting blocking my credit information. As it turns out the law changed in I think XXXX which would have rendered the services I was receiving from Equifax to now be available as a free service. On, XX/XX/XXXX, I contacted because my wife received a notice that they had cancelled her credit service. I eventually ended up speaking to a supervisor from at XXXX named XXXX or at at least that is what he told me. Anyway, after informing them of the fact that the only thing I needed from this service was to freeze my credit and monitoring, XXXX offered me a new product that was cheaper than what I was currently paying ( i.e. $ XXXX & $ XXXX ). The new product was only going to cost me $ XXXX. what a deal. Well the problem is, XXXX should have simply told me that I could be getting that service for free. I didn't discover this until I investigated more as you will see the date on the Consumer Financial site I found. I have been paying all these years for a service that was available for FREE and I was never offered to change!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
A FRIEND XXXX GOT HACKED, SCAMMER PRETEND TO MY THE PERSON AND TOLD TO INVEST A CERTAIN AMOUNT TO GET 3X THE AMOUNT. AFTER THEY TRIED TO " HELP '' ME, THEY BLOCKED ME, AND I FOUND OUT THE WALLET HAVE OVER XXXX XXXX  IN IT. THE SCAMMERS HAVE MORE THAN ONE IDENTITY. JUST LOOK UP ON XXXX " XXXX ''. MANY HAVE BEEN VICTIMIZE, AS MYSELF DUE TO HOW DESPERATE THE ECONOMY IS RIGHT NOW. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: DE

Complaint narrative:
I contacted Mr Cooper in regards to after Forbearance procedure in which they mailed and emailed me the paperwork to be filled out to be considered for a loan modification. At the time there was a said due amount of roughly {$21000.00} of which I told them I wouldnt be able to pay that in full but I had roughly saved {$10000.00}. I submitted my paperwork in a timely finish and was told to expect a response in 30 days. I kept a log of when I called them and when they called me and the only response I would get is its in Underwriting. It wasnt until XX/XX/2021 when I finally spoke to my Loan Specialist that I was told my loan has been transferred to another Servicer and XXXX XXXX sold my loan to a private Investor of which Mr Cooper would not relinquish that information. I just received a letter on XX/XX/2021 from my new Servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
Transunion customer service was very unhelpful and refused to delete an unauthorized inquiry on my credit report. 

Inquiry : XXXX  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 2021-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hi my name is XXXX XXXX i am filling a complaint against Bank of America for not allowing me to fully use my checking account for overdrafting i have been with bank of america for XXXX  years and majority of my time with them they allowed me to overdraft but ever since XX/XX/XXXX of 2021 they stopped allowing me to overdraft on my account i feel like they are being bias and unfair for not letting me have the freedom of my account to use at all times even if i do overdraft the money is always given back to bank of america with this situation occuring i have no money to pay for my medical prescriptions and other occuring emergencies like utilities me being XXXX  and a XXXX  bank of america has really failed me im asking for a full investigation so that this matter doesn't happened to any other customer.

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 2021-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
JUNK DEBT BUYER IN VIOLATION OF THE FDCPA - IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS- I AM THE CONSUMER- I AM THE ADMINISTRATOR- I AM THE EXECUTOR 15 USC 1692c ( d ) Ability Recovery Services claims that their client XXXX XXXX XXXX ( who they " represent '' ) has bought this debt, so a person would not owe this alleged debt to Ability Recovery Services, their client or the assumed original creditor ; Ability Recovery Services just admitted to False or Misleading Representations pursuant to 15 USC 1692e ( 6 ) ( A ). Also, I, the federally protected consumer, never gave them permission to have my personal information, that is a violation of my right to privacy pursuant to 15 USC 1692a. Furthermore, Ability Recovery Services just admitted to participating in conspiring against my rights with their client, pursuant to 18 USC 241, which they shall be fined and imprisoned for 10 years. They are violating 18 USC 1028, by unlawfully transferring my authentication feature ( social security number ) electronically. This debt collector is violating a number of my FEDERALLY PROTECTED CONSUMER RIGHTS ; some, but not all, are included in my Bill of Particulars. Delete this alleged debt from all of my consumer reports immediately and terminate all further collection efforts.

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 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Ive been seeking validation for the derogatory item reported to my credit report since XX/XX/2021 and the debt collector has failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi, I am very depressed from the fact that I have fake accounts in my profile. 

Could you please investigate this situation and after you check please remove these items because they are not mine and obviously its error in reporting! Remove them ASAP Items are : 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 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 explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi, I am very depressed from the fact that I have fake accounts in my profile. 

Could you please investigate this situation and after you check please remove these items because they are not mine and obviously its error in reporting! Remove them ASAP Items are : XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. It was opened on XX/XX/2019 with an amount of {$3600.00}.

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 2021-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I received a notification from experian on around XXXX saying that my credit score dropped significantly and there have is now an account in collection. I tried to dispute the account several times but it didnt work. The debt amoun is for XXXX dollars I was not made aware of this debt and the account. I cant not file anymore dispute because of experian with the lack of information, I have proof that contradicts that. On XXXX and XXXX there is no account in debt showing. It just showing on experian. Im trying to get rid of this account because I am currently XXXX  an overseas tour in the XXXX. Which make it impossible for me to open up and an account with a phone provider since I have an XXXX phone service instead of United stated.

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 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
during covid 19 i had late payments on two accounts XXXX  and XXXX  account i actually signed up for the payments to be pushed to the end and i have provided paperwork showing that the payments was pushed back. Also a bill was passed that protects our credit during that unexpected time. i sent letters over two months ago i have all of my paper train and letters and dates they was sent. they have not sent me anything

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 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I RECENTLY RECEIVED IN THE MAIL AN EQUIFAX CREDIT FILE DATED XX/XX/2021, SENT TO ME FROM EQUIFAX. THIS VERIFIES THE FACT THAT I DO HAVE AN EQUIFAX CREDIT FILE. 

HOWEVER, WHEN MY CREDIT UNION ( XXXX XXXX XXXX XXXX ) TRIED TO GET MY CREDIT SCORE FOR THE PURCHASE OF AN AUTOMOBILE, THEY WERE UNABLE TO OBTAIN ONE. 

SO, MY CREDIT UNION, WHICH ONLY USES EQUIFAX, ASKED ME TO CONTACT EQUIFAX, I ALSO WAS UNABLE TO OBTAIN MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I received a notification from experian on around XXXX saying that my credit score dropped significantly and there have is now an account in collection. I tried to dispute the account several times but it didnt work. The debt amoun is for XXXX dollars I was not made aware of this debt and the account. I cant not file anymore dispute because of XXXX  with the lack of information, I have proof that contradicts that. On XXXX and XXXX there is no account in debt showing. It just showing on XXXX. Im trying to get rid of this account because I am currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Which make it impossible for me to open up and an account with a phone provider since I have an XXXX phone service instead of United stated.

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 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please help me as I have one unknown item in my credit report, I do not know this account and I am victim of identity theft and I do not want to have anything that is not mine in my credit report. I have never had any relationship with this company. 

This is that item : XXXX XXXX XXXX XXXX Please delete this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation