vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 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: MO

Complaint narrative:
Experian closed another complaint without addressing the issue and giving explanations that are meaningless. The fact that they stole 17 months of on time never late payments to XXXX and refuse to give them back

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 2023-11-29 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: Lenox Financial Mortgage Corporation
State: MO

Complaint narrative:
Illegally ran my credit and refuse to answer the phone and when do get through they hang up

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax data breach settlement. 

I was a target for this data breach. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CO

Complaint narrative:
I received calls from this place about 8-9 months ago and told them this was not mine and that I've never had XXXX XXXX and during their dates they gave me over the phone, I was XXXX. I requested a purchase agreement of the debt to see details and also any other back up and they'd hang up on me. This should be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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:
XXXX XXXX  Owner account no. XXXX amount {$8900.00}, date opened XX/XX/XXXX, remove " Credit grantor received deed for collateral in lieu of foreclosure on a defaulted mortgage and late payment remarks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, remove Collection/Chargeoff placement for collection and negative Derogatory remarks from my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, amount {$880.00} date open XX/XX/XXXX, remove Derogatory collection remarks XXXX XXXX account no. XXXX amount {$3000.00} date opened XX/XX/XXXX, remove Collection/Chargeoff placement for collection and negative Derogatory remarks from my account, Charged off as bad debt Purchased by another lender. 

Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act Convergent Account # listed above, 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

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 2023-11-29 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: Experian Information Solutions Inc.
State: VA

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 explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
XXXX made a mistake many years ago not finding equipment I returned. It went to collections. I fought it and won. I never owed any of this. It came off credit & was resolved. Now Transworld opened a collection on me & are affecting my score & calling me non stop. Emailing, etc. I dont even owe this & they cant just decide I have a new debt open that was from like 5 or so years ago & was resolved that I dont owe.

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 2023-11-29 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: AZ

Complaint narrative:
XXXX XXXX loan does not appear on all 3 reports 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 2023-11-29 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: Nelnet, Inc.
State: MO

Complaint narrative:
Either on XX/XX/XXXX or XX/XX/XXXX, XXXX, I called Nelnet to see why I am getting charged {$55.00}. Nelnet told me I have 2 due dates so I was being charges twice per month due to me being transferred from Great Lake Borrowers. They told me they had to submit a form to a different department that will consolidate the due date but nothing ever happened afterwards. I requested a confirmation email for the work the agent did but never received anything. The same thing is occurring right now on XX/XX/XXXX. 

They did not offer any additional help or refunded the payment that I did not intend to make.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am asking that my debt of {$47000.00} be deleted completely. I paid over {$8000.00} That was behind in XXXX or XXXX. This was all that was owed at that time. I then attempted to make my regular monthly payment but it was not accepted. I called Wells Fargo and spoke to them about why they would not accept my payments. I was informed that I was in foreclosure. I told them that I never received any information about that. He reviewed my payments and said that I had paid everything that was owed and that he will remove it out of foreclosure. This was not done. So when I filed for bankruptcy ( XXXX ) owed {$24000.00} because they never stopped the foreclosure process. While I was in bankruptcy Wells Fargo doubled the amount owed to {$44000.00} for no reason. My bankruptcy was finished in XX/XX/XXXX. I then was told by Specialized Loan Servicing Company that I am still in foreclosure. Since XXXX. And no more payments will be accepted from this point forward. I am asking for all documents pertaining to my account be sent to me. I am asking for a forensic audit of my account from a 3rd party. I am requesting that every verbal communication be transcribed and sent to me. I am asking for the deletion of the {$44000.00} be removed from my account. Im asking that the mortgage rate be analyzed from the beginning of my mortgage inception. I had a 3.25 % rate that I locked in in XXXX. The was changed to 7.5 % for many years. As I have lived in my home for over 30 years. I should have my deed in my hand. I am asking that I receive it marked paid in full.

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 2023-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I have been locked out of my Coinbase account for approximately a year. I have repeatedly gone through their process of account recovery, but I am declined every time. My complaint has been elevated to a specialist department numerous times with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
lam a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's IdentityTheft Affidavit. Please delete the items as soon as possible.

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Wrong addresses on file. 
Remove both XXXX XXXX XXXXXXXX XXXX XXXX az XXXX XXXX XXXX XXXX XXXX XXXX az 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 2023-11-29 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: VA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: SC

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-11-29 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity Bank I recently received a copy of my ( XXXX, XXXX XXXX XXXX ) Credit report, and I noticed transactions posted on my credit report that are excluded by federal law. 
Account number Date opened XXXX XX/XX/2019 Your company is in direct violation of the FCRA 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 


You reported transactions from account number XXXX to my consumer report the above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person ( company ) making the report is not included on the consumer report yet you are reporting this information to my consumer report. 




The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is clear violation of the FCRA. 

I need the transaction deleted from my consumer report effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: MO

Complaint narrative:
Experian closed 2 complaints before XXXX today without having addressed the issue in the complaints which is Experian stole 17 months of on time never late payments to XXXX and refuse to give them back

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 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: LA

Complaint narrative:
On XX/XX/2023 I XXXX XXXX, XXXX XXXX used an XXXX atm in XXXX to withdraw money. I withdrew {$400.00} however the machine did not dispense my money! I immediately contacted CHIME XXXX XXXX XXXX, XXXX was told that the charge was pending and that Id have to wait 3-5 business days to see if The XXXX ATM Network would credit it back to my account. However on the third day I called and was told that the transaction had processed and Id have to file a dispute! I filed the dispute and within 2 days the claim was denied. I reached out to the XXXX ATM XXXX XXXX XXXX XXXX XXXX XXXX XXXX and advised them of this issue and it was then that the dispute department told me that CHIME NEVER CONTACTED THEM ABOUT THE ATM IN QUESTION NOR DID A CHARGEBACK AS PROHIBITED BY LAW TO LOCATE THE MISSING FUNDS!!!! I called CHIME support and asked for the documents used in the in the investigation. Upon receiving the denial claim XXXX XXXXXXXX and the reason for denial THERE WAS NO CONTACT WITH THE MERCHANT IN QUESTION NOR DID THEY ASK ME TO SUBMIT ANY SUPPORTING DOCUMENTS! I contacted chime again and had to creat a rebuttal XXXX XXXXXXXX dispute! MULTIPLE DISPUTE TEAM AGENTS AND SUPERVISORS informed me that I was eligible for a temporary credit! I called regular almost every other day most times everyday for at least three weeks! Upon the temporary credit due date I was informed that I was not eligible due to it being a rebuttal! I asked the representative to investigate and read the emails that chime had sent me confirming that Id have the provisional credit by the XXXX. Its the XXXX n multiple supervisors and agents can see that I am eligible for the credit and that it is showing bold red meaning it is overdue and shouldve been released! XX/XX/XXXX I am being told that they changed their policy and I dont get the credit! I shown and sent them multiple evidence of the promise from them to me reassuring me that the money would hit my account! Still to no avail all I received was apologies and sorries! Very disappointed n no longer trust chime!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I applied for a XXXX XXXX  credit card with Synchrony Financial on XXXX XXXX After many transfers, I was connected with one agent that asked me for ssn, my dob, address, etc. After recording my information he put me on hold for 30 minutes to confirm the information. After 30 minutes, I was disconnected. When reaching out to Synchrony C levels, I expressed my concern that it was odd behavior and potentially took my private data and used it in an illegal manner. XXXX expressed that that was odd behavior and not part of their process and she would look into it. A couple days later I got a notification from XXXX saying that an application was attempted to be opened from XXXX XXXX I sent XXXX and XXXX to the recorded call but they never got back to me. I've repeatedly tried to contact them to get an update on the matter, but nothing. No returned calls. No returned emails. On XX/XX/XXXX, I got a notification from my bank that there was an application sent to open a XXXX credit card.

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 2023-11-29 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: VA

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 2023-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
A collection was put on my account do to fraud. I was a victim of identity theft. I never physically went in XXXX and open a account. It had to be done on line do to my identity being stolen

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: MD

Complaint narrative:
I am a victim of this data breach and need these accounts deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: AZ

Complaint narrative:
XXXX XXXX loan does not appear on all 3 reports Inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I am unaware of XXXX XXXX XXXX  much less the collection agency Midland Credit Management Inc., this is not mine and will work the credit agencies to remove. I would like to see what it's for and a purchase agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
I woke up on Sunday XX/XX/XXXX to XXXX fraudulent charges on my account. Because this was a Sunday and it was XXXX XXXX  I had to wait for the fraud department to open. Once they were opened, my husband called and reported the fraudulent charges and immediately his card was canceled. Because this was a holiday weekend, XXXX, we needed access to our money for groceries and XXXX shopping. We were told multiple times that my card would be available. That evening my card was declined at the grocery store. After calling the fraud department I was told that my card was also charged and now canceled. 

The next day was Monday and when we called to confirm shipment of our new cards we were told that we could not have them shipped to our home address as we hadn't lived at this new address for longer than 90 days. When it was requested to have the cards sent to a closer branch we were told a branch we NEVER banked at would be receiving the cards. 

It is now over a week and we haven't heard a thing from the bank. Our cards are no where to be found and access to our money is so limited as the holidays and our work schedules do not allow for XXXX XXXX banking. I would like the charges from XXXX reversed as Ive never been to XXXX. I didn't make these charges and {$400.00} is A LOT of money to be left without over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
lam a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's IdentityTheft Affidavit. Please delete the items as soon as possible.

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 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Payment Dispute : XXXX ( Wells Fargo ) card claimed we did not make a payment for XXXX statement. Enclosed is a letter from XXXX XXXX XXXX XXXX stating that the payment was made. 
I am enclosing a copy of our Bank statement for XXXX showing the withdrawal on XX/XX/2023 ( highlighted ) in the amount of {$3800.00}. 

CASE # : XXXX XXXX XXXX is the XXXX account holder. XXXX XXXX is also on the account and our Card number ends 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