vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2023 I received a cashiers check in the mail from Wells Fargo with a letter stating I was overcharged for foreclosure fees from a home I owned with my ex husband about 10 years prior. On XX/XX/2023 I called the number on the letter to advise the check was made out to myself and my ex husband who I lost total contact with after our divorce 6 or 7  years ago and can not cash the check without both of us.The check amount was for XXXX. They told me to send them copies of my divorce and a letter explaining my problem with the check and I ask if they could resend half of the amount separately to myself and my ex. They advised me that once my info was received they would attempt to contact my ex and he has 30 days to reply if he doesn't they would re issue a check just to myself. 
I did not receive any call or correspondence for over 30 days so on XX/XX/2023 I called again and spoke to XXXX. She told me that she spoke to her supervisor who said my ex did not respond and they would reissue a check to myself or my ex making it possible for me to deposit without his signature.she said it can take up to 30 days to receive check. 
On XX/XX/2023 I called to check the status and I spoke to XXXX who advised that the check was mailed I should receive by XX/XX/XXXX. 
Called again on XX/XX/XXXX spoke with XXXX XXXX Said if I don't receive in couple days call back. On XX/XX/XXXX and spoke to a supervisor who said. Whatever i was told in past calls was wrong my exes power of attorney did reply and therefore they will not resend a new check. And on there end the case was closed satisfactorily. 
I received absolutely no documentation explaining and of this from Wells Fargo no matter who I called I did not get a call back On XX/XX/XXXX I received another check from Wells Fargo fir XXXX with same foreclosure overpayment letter. However this check said myself or my ex husband therfore I can deposit. 
I called and asked for a supervisor and XXXX XXXX got on phone. XXXX. He told me the XXXX new check was in addition to the prior check. He also told me that the case was closed. When I complained about not receiving and help or info about the matter and being unable to deposit the first check he promised me he would investigate the entire complaint and get back to me.after XX/XX/XXXX I received no reply from him so on XX/XX/XXXX I called left a voicemail no reply called again XX/XX/XXXX left voicemail XXXX reply. It seems nobody will return my calls I don't know which of the above is telling the truth I still have both checks please help me in this matter. 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
RE : You Violated The United States Code Law 15 U.S. Code 1681 ( 7 ) Description of reinvestigation procedure : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Reinvestigation procedure was received by Experian on XX/XX/ See certified USPS tracking # XXXX Present day-no description received after 15 days. 

This a violation of my rights and I demand these accounts be deleted per consumer law 15 U.S. Code 1681 ( 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 2024-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: WA

Complaint narrative:
XXXX XXXX XXXX Last reported XX/XX/XXXX {$3500.00} Open balance XXXX XXXX Original creditor Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) I have had a XXXX account that has been active. This popped up and they refuse to validate the account. Please delete from my transunion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: OH

Complaint narrative:
I received a letter from Mohela dated XX/XX/XXXX saying that my student loans were paid in full and there is a XXXX balance. However it is now XX/XX/XXXX and its still showing up on my credit reports. Mohela has not updated the bureaus since XX/XX/XXXX and they have no plan to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please be advised that the court does not send any information as it relates to bankruptcy to any website, search engine, internet or any Consumer Credit Reporting agencies regardless of case status whether dismissed or discharged. The reporting by Experian on my current credit report is a clear violation of 15 USC 1681, its the Courts permanent record. This bankruptcy item and all accounts associated need to be removed from my report immediately.

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 2024-01-01 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: PA

Complaint narrative:
On XX/XX/XXXX, I sent my FTC report and license to XXXX, XXXX, and TransUnion. I am following to correct steps to report identity theft. I have fraudulent accounts reporting on my consumer 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 2024-01-01 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: PA

Complaint narrative:
On XX/XX/XXXX, I sent my FTC report and license to XXXX, Equifax, and XXXX. I am following to correct steps to report identity theft. I have fraudulent accounts reporting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: Self Financial Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA XXXX XX/XX/XXXX Per the " Fair Credit Reporting Act '' as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 U.S. Code Chapter 94 Privacy 6801 - 6809 Subchapter I - DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION. Effective immediately and indefinitely. 

Via PRIVACY ACT OF 1974 ( 5 U.S. Code 552a ). 

Via 12 CFR Part 1016 - PART 1016PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ). 

Via 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of 433.2 ( a ).

Via 16 CFR Part 313 - PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: Synovus Bank
State: ND

Complaint narrative:
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX  XXXX XXXX ( XXXX ) XXXX I am writing to formally dispute any and all transaction on my account that First progress has reported with XXXX, XXXX and XXXX, whom are all non affiliates with first progress, in the terms and conditions provided by First progress they stated they would not disclose my nonpublic personal information to non affiliate 's. There is multiple violations of my rights as a consumer. It is against the law to report transaction history, I never gave written authorization to report to the three credit reporting agencies, or to any other non affiliate. The account is in charge off status, a charge off is also known as a certificate of indebtedness and according to the I.R.S. Code a certificate of indebtedness is income and income must be removed from the report. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) in accordance with the written instructions of the consumer to who it relates. 
15 U.S. Code 6801 6805 Obligations with respect to disclosures of personal information- Authority comes from 16 CFR 313.1 - Purpose and scope. 

( a ) Privacy obligation policy It is the policy of the XXXX 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. 
nonpublic personal information Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer. 


Per the Privacy Act of XXXX, and the Fair credit reporting act, as a federally protected consumer, I have the right of opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal, Per 15 u.s.c. 6802

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
This company call multiple days of the week numerous times a day. This number is not listed in my name nor is it a contact number for me. These calls going to this number need to cease. These calls have been ongoing for multiple months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: NY

Complaint narrative:
I requested that Discover credit card submit to me a validation of debt owed on XX/XX/2023. They have failed to respond within the required 30 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-01-01 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: AL

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX card for amount of {$590.00} I disputed this account and reached out to let them know this account was open fraudulent and that they need to remove this account from my credit report and it's still reporting no action has been taken

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 2024-01-01 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: CL Holdings LLC
State: AL

Complaint narrative:
XX/XX/2021 fXXXX XXXX XXXX XXXX for amount of {$590.00} I disputed this account and reached out to let them know this account was open fraudulent and that they need to remove this account from my credit report and it's still reporting no action has been taken

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been attempting to rebuild my credit after several hard years. I signed up for credit monitoring with Experian and continually received emails telling me to increase my available credit so I can increase my credit score. I took their advice and have had the complete opposite effect. I am so deep in debt after increasing my available credit that I can not do anything except sink, AND, my credit score has never improved despite having a 100 % on time payment history which is now about to change because I can't afford to continue making all of these credit card payments.

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 2024-01-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
On XX/XX/2023, my significant other sent me a XXXX payment for {$600.00}. I deposited the payment into my Navy Federal bank account using my cell phone number XXXX after updating my number and email address ( XXXX ). On XX/XX/2023, Navy Federal Credit Union restricted my account and removed me from my credit card to a XXXX stating the I processed a " Fraudulent Deposit ''. I followed instructions and submitted the appeal form explaining the situation and sent a copy of mine and also my significant other 's identification and contact information to prove that nothing was fraudulent in regards to the deposit. I never received a response from Navy Federal 's security team whatsoever in regards to the matter. I called customer service and they stated that the only information they had access to view stated that my appeal was denied and my account remained restricted. I attempted to contact the security team for further information in regards to the matter and this false accusation but could not reach anyone and was placed on a 2-3 hour wait time each call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
Multiple fraudulent loans opened with my information upon being overseas with my significant other. Accounts opened from the hired caregiver for our children as we were away for some time. Payments were made up until our return and the caregiver no longer getting paid from us. Caregiver has since been found guilty and prosecuted for fraudulent acts. One loan remains as the rest were all handed rather quickly and removed from my credit reports. The company of Netcredit continues to be a large problem. After myself and significant other have spoken to numerous agents from Netcredit, being told every single time to await for a supervisor to contact, the supervisor never once has contacted either of us to discuss this matter and remove it from my information being used for a fraudulent loan. The individual who had done this is behind bars, yet I am still liable for our caregiver breaking laws. This is not acceptable by any means. This has absolutely wrecked havoc on my credit score, and continues to do so. I have sent all documentation to prove this has occurred, yet I am still receiving numerous notifications stating I must pay for this loan which is not even mine. This has been on going now for well over one year and quite frankly, we are unable to handle this anymore on our own as the other lenders were working along with us. Netcredit is not doing this and the lack of communication is horrendous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, nd, XXXX XXXX ( XXXX ) XXXX I am writing to formally dispute any and all transaction on my account that XXXX XXXX has reported with XXXX, XXXX and transunion, whom are all non affiliates with XXXX XXXX, in the terms and conditions provided by XXXX XXXX they stated they would not disclose my nonpublic personal information to non affiliate 's. There is multiple violations of my rights as a consumer. It is against the law to report transaction history, I never gave written authorization to report to the three credit reporting agencies, or to any other non affiliate. The account is in charge off status, a charge off is also known as a certificate of indebtedness and according to the I.R.S. Code a certificate of indebtedness is income and income must be removed from the report.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) in accordance with the written instructions of the consumer to who it relates.

15 U.S. Code 6801 6805 Obligations with respect to disclosures of personal information- Authority comes from 16 CFR 313.1 - Purpose and scope.

( a ) Privacy obligation policy It is the policy of the 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.

nonpublic personal information Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer.

Per the Privacy Act of 1974, and the Fair credit reporting act, as a federally protected consumer, I have the right of opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal, Per 15 u.s.c. 6802

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