vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Due to an error on XX/XX/XXXX from a cash advance provider, my account was overdrafted. 

As of the post date of XX/XX/XXXX, my balance was negative {$590.00}. 

On XX/XX/XXXX, due to being negative, I was hit with XXXX {$35.00} overdraft fees, totalling {$100.00}. This now brough my balance to negative {$700.00}. 

I've called their customer support, and they continue to tell me that since I requested XXXX waived fees a few months ago, they will not clear or waive these ones. 

I tried to explain that I was getting support on Friday to help bring the account back in good standing with {$600.00}, but due to the fees, it'll still be negative. 

They refused to waive and clear them, as well as other fees in the past. 

Wells Fargo has now charged me well over {$500.00} in extra fees over the last few months, and they've done very little to assist, outside of the " XXXX that are allowed ''.

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 2024-08-07 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: GA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-08-07 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: GA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-08-07 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: V and H Portfolio
State: AL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
I reviewed my credit report and I noticed unauthorized fraudulent accounts on my report and I need them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
At the end of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amongst receiving the check ( {$150.00} ) I held on to it for 4 days. Within those four days the church switched accounts and didn't communicate with any of the workers that receive checks. After those 4 days I attempted to cash the check ( {$150.00} ) and the {$150.00} check bounced, I assume that I made a mistake with the writing on the back of the check so I checked the endorsement and tried to retake the image for the deposit. The deposit initially went through and said to hold the check for a certain amount of Days, so I did. After the allotted Days, I got a notification on XXXX XXXX XXXX that the check bounced and that the account holding {$1800.00} is restricted and will be closed WHEN PENDING TRANSACTIONS FINISHED... LIES .... At this point, I called to try to get some information on why my account is restricted and was met with a rude " I'm not obligated to give you any information ''. After 2 months of going back and forth, I have still not made any progress or heard of any progress in the release of my funds, MY ACCOUNT IS STILL RESTRICTED AND THEY STILL HAVE {$1800.00} THAT THEY REFUSE TO RELEASE. They're saying that there's an indefinite hold on my account and they can not tell me when I will receive my money or when the {$1800.00} account will be closed. I've tried to resolve this issue with SOFI BANK on a total of 7 times and got rudely dismissed and told that I can NOT speak with a supervisor, this bank is a criminal organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and address I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00}

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/XXXX, I applied for the APPLE CARD through Goldman Sachs. I received a decline stating, " You have recently been past due. You have recently experienced a charge off ''. Neither of these are accurate. I have tried XXXX different times to call them, to no avail. Got different answers from all XXXX reps. I want this resolved with either a viable explanation or to have the application approved. I have attached a screenshot of the decline letter. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Need all three credit reporting the same thing XXXX does not have any bankruptcy on it need Equifax to remove the one bankruptcy and XXXX to move the two Bankruptcy. Enclosed is all three credit reports. to show they inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
Hello, My complaint is as follows. I have a mortgage through XXXX XXXX, now XXXX, XXXX. I lost my job in XXXX of last year and applied for a state XXXX ( XXXX,XX/XX/XXXX) so I did not lose my home in XXXX of last year which was approved at the beginning of XXXX this year. The payments from the state ofXX/XX/XXXXXXXX XXXX XXXX ) were scheduled to be sent to my mortgage servicer for XXXX, XXXX, and XXXX. My new servicer is bitterly claiming that they never received payment for XXXX. This is NOT correct. I have email confirmation from the XXXX XXXX XXXX XXXXXX/XX/XXXX that the XXXX payments were sent. I was to take over responsibility for the loan in XXXX, and I have just made my payment today for XXXX. However, at this time, XXXX is refusing to help me in any way and they are claiming that my mortgage is now over 30 days delinquent and it has been reported that way on my credit report. I believe that their system is wrong and no one is looking into why. I have also tried to log into their system several times ( XXXX to be exact with no success, and I also have called in multiple times ). Please help me resolve this because I am getting nowhere with XXXX and I have spent the last 9 months trying to repair my credit and I DO NOT want it damaged again. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted documentation that I was a victim of identity theft, to no avail. Documents included but limited to police report, Identity Theft Report with the federal trade commission, a affidavit, a letter listing fraudulent accounts, dates, and amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Berlin-Wheeler, Inc. (Kansas)
State: GA

Complaint narrative:
XXXX open a new account when I move to a new address without me knowing it was a new account. When I found out I call and talk to a rep and they stated if I paid it they would remove it from credit and it would take 30 days. This was XXXX  I talk to since it was there mistake. Then when I call back I was told there is nothing they can do even though its there mistake but when I talk to to the debt collector they said they needed to be contacted by XXXX  to get it removed. They falsely got my payment information after making promises they did not keep

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Carvana Group, LLC
State: NJ

Complaint narrative:
I was recently trying to purchase a car from this company Carvana, I got approved with a minimum of {$3000.00} down payment. The company keep pushing back my delivery for days just because the wire transfer was taking about XXXX days. Now when I received the vehicle its not like what was described so I requested a return the return was accepted and after they picked up the vehicle they checked and everything was exactly as I received it. After asking them sever times about my refund. They all keep giving me a set of different information. Its been more than a week since Ive returned the vehicle and still cant get any positive about my refund. Its as if they dont care about customer getting their refund. Ive check the internet and see several other customers complaining about this same issue with XXXX. Now today XX/XX/2024 I reach out to them again about my refund. The advocate got the nerve to tell me only yesterday my XX/XX/2024 my refund request was sent. So basically this can clearly show that they have no time or concern about issuing my refund. He also said I have to wait another XXXX days for them to review the request and If its approved then XXXX receive a check. XXXX asking for legal help in this matter because this can clearly show that these people got their vehicle back and doesnt care about me getting my refund back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: CNG HOLDINGS INC
State: AL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There's an added fraud alert on my file, I didn't initiate on adding any fraud alerts on my file.

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 2024-08-07 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-07 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: Kriya Capital, LLC
State: TX

Complaint narrative:
I have a collection on my credit report that I did not owe! It originated from XXXX claiming I owed them money for a router that I mailed back to them! They sent it to collections and I wouldnt pay because I gave them their equipment back. I disputed the in with all 3 credit bureaus. 2 of them fixed the problem. XXXX XXXX would not. They have ignored me! Theyll keep me on hold when I call and send me XXXX  emails that amount to no changes to my credit report! They imply that if I pay for a subscription from them, all problems will be resolved. Please fix this extortion tactic. My credit, only on their report, has fallen by XXXX points!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
They violated several rights from the consumer law while heisting my information and putting me into a contract with a third party. They failed to provide written notice ( disclose ) the right to rescind while not providing insurance. They also charged me with a down payment with a finance charge.

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 2024-08-07 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have screenshots of a conversation I had with a TransUnion rep via XXXXXXXX XXXX XXXX ) where the employee asked if I had a " twin brother. '' They saw two profiles for me, this after no reports showed up. 

I ALSO disputed a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It's in XXXX, Ohio. For some reason it's still there. 

I'm a XXXX, not a XXXX. That's a new one for me. 

Hackers can take things off your report and put them back. They usually do this for themselves, affording them the opportunity to take out several loans then erase the debt. Should they be investigated, it needs to be in a stealthy way. If you alert them ahead of time, they can and will put the debt back online.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, IL, XXXX. TransUnion XXXX XXXX XXXX, Attention : Consumer Dispute Team XXXX XXXX XXXX, XXXX, PA XXXX Date Re : XXXX XXXX + # XXXX Dear [ TransUnion XXXX XXXX XXXX, Attention : Consumer Dispute Team ], I previously sent a request for investigation under FCRA 611 ( a ) to your company on [ Date Previous Letter was Sent ] regarding the following issues that account XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX I received a letter stating that you have " verified '' the information. I am : now requesting that you provide physical documentation to support this information on my report. According to the FCRA, information must be 100 % verifiable and accurate ; otherwise, it must be removed under federal law. The credit bureau has been reporting unverifiable and inaccurate information on my credit report due to the. This is my second request for details purported eviction. If you can not provide the requested documentation within 15 days, THE FTC REPORT NUMBER IS XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief