vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX This is my Experian file number from my last complaint, which you state in my first complaint file " might take 15 days. '' It seems Experian has not responded nor to you or me, or has attempted to repair the problem and therefore, does not understand their grave responsibility to report correct, verified and permitted information with MY WRITTEN CONSENT per 15 USC 1681 section 604! 

They have not attempted to fix ANY of my information per the Fair Credit Reporting Act 15 USC 1681 section 602 states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Experian is a consumer reporting agency and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801, which states, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' They have not removed the bankruptcy from my file as per my complaint and the proof from a bankruptcy statement from the Arizona Bankruptcy Court that that they do not share information to third party agencies according to 15 USC 6802 ( b ) ( c ) ; " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Experian never informed me of my right to exercise my nondisclosure option. 

As well as late payment information still showing up on my Experian credit report that is simply inaccurate! I have never been LATE! 

There are many more codes that defend my rights, but for now, this is negatively affecting me and I want it fixed immediately! Not only that, but they haven't even attempted to fix the easier things like the misspelling of my name, my multiple addresses that aren't mine as they are un-mailable or addresses I never had and finally an account that I NEVER had that is still on the report. It's not my account never was my card, but there was Identity Theft because someone USED MY CREDIT to GET A CARD and it wasn't me! 

Finally I am opting out of your reporting services per 12 CFR 1016.7!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I'm victkm of identity theft Disputes # XXXX ; ; {$250.00} Disputes # XXXX ; ; {$2000.00} Disputes # XXXX ; ; ; {$1100.00} All unauthorized transactions need to with proof of my authorization on account to other merchants XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: MD

Complaint narrative:
It has come to my attention upon checking my consumer report that inaccurate information has been furnished. Per the FCRA as a federally protected consumer I have the right to accuracy [ 15 USC 1681e ( b ) ], as well as privacy according to the Privacy Act of 1974, and the option to opt out of any reporting on my consumer report [ 15 USC 6802 ( b ), 16 CFR 313.1, 16 CFR 313.7. ] My rights have been violated. My closed account with XXXX XXXX XXXX is reported as charged off in XX/XX/XXXX my consumer report. A charge off is considered a certificate of indebtedness which is INCOME.

Income does not get reported on the consumer report which in fact makes the reporting of this account inaccurate! It is prohibited by law to have inaccurate information on your consumer report and this information is indeed inaccurate. 

As Defined by the IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The continued reporting of this inaccurate information is a clear violation of the law. 

In addition to this inaccuracy, this charge off report of this account is only showing as such on to one consumer reporting agency and still showing as an open account on the others as XX/XX/XXXX. The balance on each report is different also. On one consumer report it states a {$20000.00} balance versus a {$20000.00} on the others. This is another inaccurate reporting and must be removed from my credit profile! 

This has caused me and my family severe harm due to this negligence and inaccurate reporting. This has caused damage to my reputation, my character, and my general mode of living and my ability to obtain credit for personal and house purposes. 

I am now opting out of any and all authorizations that I, the consumer, may have given you written or non-written, verbal or non-verbal for the reporting of this closed XXXX XXXX XXXX account from the date the account opened until XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
i purchased a vehicle from XXXX in XXXX of 2024. I purchased a XXXX XXXX XXXX from XXXX. I was charged {$18000.00} for the vehicle and i am being charged 19 % on loan. I believe that the loan rate is unconscionable and predatory. A 19 % interest rate on a {$18000.00} is an unjust amount and i believe the loan is predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Ive been added as an authorized user to a card that I never agreed to be added to at JP Morgan and Chase credit services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I rented a house. I paid my rent via Zelle every month. When I moved out, my landlord returned my deposit via Zelle. But I did not receive it. So I called my bank, XXXX XXXX XXXXXXXX. They said an investigation was needed but that only the sender could initiate. The sender ( my landlord ) called XXXX XXXX who confirmed that the payment looked like it was completed on their end so no investigation was necessary. So I called XXXX XXXX XXXXXXXX again, who connected me with Zelle. Zelle said there's nothing they can do and that I'd have to work with the banks. So I called XXXX XXXX again. They said there's nothing they can do without having the sender ( my landlord ) on the line. So I initiated a three-way call between XXXX XXXX , my landlord, and me. Eventually, we got to the bottom of what happened, but from start to finish, this whole process took four hours of my time. I feel incredibly fortunate that I was able to get my landlord on the phone and that he took the time to help, because from his perspective, his bank told him the payment went through successfully, and he could have just told me this was not his problem to deal with. In that case, with XXXX XXXX XXXX XXXX XXXX  and Zelle all being unwilling to help me, I would have simply been out {$1500.00}, which is not a small amount of money to me. I would like the CFPB to take action and force Zelle to offer a way to resolve issues like this on the recipient 's end without the active participation of the sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX and PHEAA / XXXXXXXX XXXX XXXXXXXX XXXX XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to the reporting and subsequent dispute handling of my credit information. 

Despite multiple disputes, specifically submitted on XX/XX/24 and XX/XX/24, the trade line for PHEAA / XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Account Number XXXX, continues to be inaccurately reported on my credit report maintained by XXXX. This trade line fails to reflect the original 180 days late status and has remained on my credit report beyond the period allowed by the FCRA, specifically 7 years and 180 days from the date of the first delinquency. 

I also called XXXX XXXX XXXX XXXXXXXX directly, however the phone listed for contact on my credit report is disconnected. 

Furthermore, the persistent inaccuracy of this trade line and the refusal to correct or delete it after ample notification severely undermines the integrity of my credit report and significantly impacts my financial well-being. This situation represents a clear violation of the FCRA, which mandates the reporting of accurate and complete credit information and prescribes specific timeframes for negative information to remain on a consumers credit report. 

My repeated attempts to resolve this matter directly with XXXX and PHEAA / XXXX XXXX XXXX XXXXXXXX XXXX have been met with inadequate responses and a failure to take corrective action as required by law. Enclosed with this letter, please find copies of the disputes submitted, correspondence received in response, and any other relevant documentation illustrating my attempts to rectify this issue and the non-compliance of the involved parties. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and facilitate the deletion of the inaccurately reported trade line in accordance with the FCRA. Your intervention is crucial in ensuring that my rights as a consumer are protected and that credit reporting practices adhere to the legal standards set forth by the FCRA. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX Enclosures : XXXX Credit Report, Loan transfer payoff from original lender,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MI

Complaint narrative:
MOHELA is absolutely useless. They give information that is directly contradicted by what is on the federal aid website, they say essentially " too bad figure it out '' after you wait on hold for hours, and if you email them they say it will take 3 months for them to respond. The lack of accountability and lack of communication is absolutely UNACCEPTABLE. XXXX forbid we are ever late with a payment there are consequences, but they can take months to process anything with impunity. They are simply unable to handle the volume and do not care that they give out bad information. 

Most recently, I was given incorrect information from them about how direct loan consolidation impacts my PSLF payment count and even after reading the information on the federal site to them they said I was confused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wire transfer was being made on XX/XX/XXXX XXXX without my knowledge or permission. My Wells Fargo Bank for over 25 years accusing me that I initiated the wire transfer which I did not. XX/XX/2023, XXXX XXXX someone call from Wells Fargo phone number saying that multiple transaction being made from my debit card at different stores in Texas. 
The same day around XXXX XXXX I went to the nearest Wells Fargo branch at XXXX XXXX XXXX. XXXX CA.XXXX to report the call that I received. The manager XXXX XXXX of the bank check any activity or transaction being made that day and she didn't find any activities. She called Wells Fargo Fraud prevention to freeze my account and handed me a piece of paper with Fraud prevention phone number to follow up which I did. 
I requested to change my account number that day but instead she signs me for next day appointment at XXXX XXXX to open a new account. 
XX/XX/2023, at XXXX XXXX while XXXX XXXX is helping us the bank manager told us that someone conduct a bank-to-bank wire transfer to my savings account for the amount of {$8500.00}. 
We called the Fraud prevention to know what happened, but nobody knows. 
Wells Fargo Bank employee did not handle the issue seriously. '' NEGLIGENCE " as I requested to change my account number the morning of XX/XX/XXXX, but instead doing it that day I wait till next day afternoon. 
My card was used again from withdrawing money {$500.00} from my account on XX/XX/XXXX XXXX from XXXX which I received a declined notice. Wells Fargo needs to focus and update cybersecurity to secure our financial needs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am writing to report a serious case of identity theft and unauthorized account activity that has affected me. I recently became aware of multiple data breaches that have exposed my personal information, leading to the opening and operation of accounts without my knowledge. I believe this has had a significant impact on my financial well-being and personal security. 

I was initially informed about these data breaches through notifications on my computer browser, indicating that my sensitive information may have been compromised. Additionally, I received information from my former employer confirming that my personal data may have been part of a security incident during my tenure with the company. 

As a result of these breaches, I have discovered that accounts were opened and operated without my consent. This unauthorized activity is reflected on my credit report, causing further distress and concern for my financial stability. I have taken immediate steps to freeze my credit, but the implications of this breach are far-reaching. 

I am reaching out to you in the hope that your organization can provide guidance and assistance in resolving this matter. I understand that IdentityTheft.gov is a valuable resource for victims of identity theft, and I am seeking support in navigating the necessary steps to rectify the fraudulent accounts, protect my personal information, and mitigate any further damage to my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Indie Technology DBA Found
State: IL

Complaint narrative:
I have a checking account with Found " bank '' aka XXXX Bank, and at the end of XXXX I noticed that some charges on my account were not correct. On XX/XX/24 i went back into my office after the holidays and addressed the issue with found after blocking all activity on my card when i noticed it the previous day. 
I followed the proper procedure as described on the website and awaited the response. I than followed up ( outlined in the attached emails ). And every attempt at contact was completely ignored. When they did respond they didn't actually do anything and finally I got tired of this is asked via email why they were ignoring my emails and something must be going very wrong with their company for them to be so negligent. 
Their next response was to freeze my account due to suspicious activity and provide no explanation. They gave me a DEADLINE to provide paperwork which i had started doing and a day after they set a deadline for XX/XX/24, they just closed my account two weeeks before the deadline. Since they keep sending me emails ( attached ) telling me i can log into my account and transfer funds and when i do every thing is blocked stating my account is frozen and the people there when i email they will not respond and when they do it just says i can transfer the funds. But the account is frozen and it will not let me and noone will fix it or even respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: M&T BANK CORPORATION
State: GA

Complaint narrative:
I contacted CFPB then I believe the representative hung up or I got disconnected on XX/XX/XXXX. I then called M & T mortgage trying to determine why is my mortgage being transferred to XXXX XXXX. I asked what was the reason for it being transferred and they simply said it is a common practice. I am trying to determine why my mortgage was transferred from M & T to XXXX XXXX. This company is under a second lawsuit because hackers stole client information as you can see below due to careless security. This is my XXXX time being transferred for my mortgage. I am not in bad standing and always paid my mortgage on time. Again my question is why is my mortgage being transferred to this company and it appears they are not good in protecting my information. I would like to remain with M & T. 

What is the lawsuit against XXXX XXXX? 
XXXX XXXX hit with second lawsuit over massive mortgage loan Mortgage loan giant XXXX XXXX is facing a second class-action lawsuit after hackers stole the personal information of XXXX XXXX customers in late XXXX. The latest lawsuit, filed XXXX XXXX in federal court in XXXX, accused the XXXX company of being careless with its security of customer information.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 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Chime Financial Inc
State: IL

Complaint narrative:
I received an email from " XXXX '' stating that my new debit card was on the way to my old address. I did not open this account, nor did I authorize anyone else to open this account. I have freezes on my credit at all of the agencies, so there is no way a legitimate credit check was done before opening this account, and in fact, I believe that Chime itself is the one committing the fraud and opening fraudulent accounts, using personal email addresses mined from the dark web, and then soliciting its victims to email and/or call them so that they can collect even more sensitive personal financial information about them. This company needs to be shut down. There are hundreds of similar reports all over the internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This company knowingly and willfully reported old, innacurate and false information that caused substancial harm in the form of lost employment. I was not allowed to dispute the information or the accuracy of the report before the offer letter for employment was rescinded. Further, I have not received the required legal notifications such as a preadverse action or adverse action notice and I have requested it several times. I have submitted proof of the false information more than 5 times and have tried contacting the company numerous times. They disconnect phone calls and don't respond to questions that are emailed regarding getting a new report with the incorrect information removed. This company has a vast history of false and innacurate reporting and in my research they have lost numerous court proceedings regarding the reporting of innacurate or false information including at least one class action lawsuit, yet they do not appear to have refined their business processes despite the continuous harm being caused to thousands of Americans. I believe this company has acted in such bad faith, even after legal repute, to so many consumers, they have proved they can not be trusted to reliably and responsibly report information and as such, they should NOT be allowed to gather, review, report or otherwise access anyone 's personal information or provide any information to any company in any capacity.

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