vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-28 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: WA

Complaint narrative:
In XXXX  and XXXX I borrowed a total of XXXX USD of XXXX  loans from US Dept of Education serviced by XXXX  Once I graduated college in XX/XX/XXXX, I started paying back these loans with a XXXX XXXX living at my parents. I completed repayment on XXXX XXXX XXXX XXXX. This was my first line of credit I had ever taken. 

On XX/XX/XXXX, XXXX XXXX notified me of adverse action due to my credit report. The age of my longest account, and the average of my accounts being less than 5 years. I considered this strange since my original loans were over the 8 years 10 months listed. I looked at the credit report and found that my XXXX loans from XXXX XXXX XXXX were missing from the report. 

I called Experian on XX/XX/XXXX at XXXX as there is no online option to dispute missing information ( only available for existing information ). They said it was not being reported on because the loan servicer was no longer reporting the information. 

I called XXXX on XX/XX/XXXX at XXXX, the new loan servicer. I spoke with a credit reporting officer there who let me know the information was available as seen on the website display, but the data was not being requested from the credit bureau, likely because it has been over 10 years since the accounts were paid in full. She recommended I ask Experian representatives when the " XXXX XXXX was deleted '' as that without a trade line entered, no data would be automatically transferred from XXXX to Experian. 

I called Experian again on XX/XX/XXXX at XXXX. The representative in the dispute department informed me it was against the law to report on data over 10 years old and they were unable to complete the request. I explained that the information they were providing the insurance company was incorrect and incomplete due to this data being left off, especially as it is in my favor to have a long running loan successfully paid off early. The call disconnected. I haven't received any followup. 

I will try to contact Experian again regarding the issue, however I am unconvinced my efforts will do much without going through additional avenues. 

To summarize, I paid off my original XXXX loans early which gave me a great credit score. However, 10.5 years later after paying them off, I am now having adverse action taken against me by insurance because the reporting by Experian is no longer giving a complete credit report and is misrepresenting my credit history.

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 2023-08-28 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: LJ Ross Associates
State: FL

Complaint narrative:
There are ( 2 ) " hard inquiries '' on my credit report that " I didn't not authorize '' or have knowledge of. 
( XXXX XXXX XXXX XXXX XXXX.. hard inquiry on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... hard inquiry on XXXX XXXX XXXX There are also ( 2 ) " collections '' from agencies whom aren't authorized to bill me as I have had no contact with said agencies. They are " third party '' bill collectors. I have no knowledge of these agencies or their functions. These accounts were supposedly settled and closed. Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There are ( 2 ) " hard inquiries '' on my credit report that " I didn't not authorize '' or have knowledge of. 
( 1 ) Capital One ... hard inquiry on XX/XX/XXXX XXXX XXXX ( 2 ) Capital One ... hard inquiry on XX/XX/XXXX  There are also ( 2 ) " collections '' from agencies whom aren't authorized to bill me as I have had no contact with said agencies. They are " third party '' bill collectors. I have no knowledge of these agencies or their functions. These accounts were supposedly settled and closed. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 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:
Please consider this as refiling of my complaint to the EXPERIAN for allowing the fraudulent accounts and for not taking corrections until this time on my credit report and I have attached the letters I sent to them with the identity theft number XXXX. They allowed the fraudulent accounts to be reported in my credit file and I sent out the dispute letter dated XX/XX/2023. As I checked my credit report these unauthorized hard inquiries and fraudulent accounts are still reflecting on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

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 2023-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I was robbed at XXXX XXXX XXXXXXXX XXXX hiking in XXXX XXXX, XXXX. My cross body was sliced from my chest after being XXXXXXXX XXXX  knocked down by a large male who did not speak any XXXX. In that cross body, contained my XXXX  ( which had my Wells Fargo app downloaded onto it as well as email app ), drivers license, cash, debit, and credit card. My bank was notified immediately after the event, on XX/XX/XXXX that I had been robbed at XXXX and my debit card that was stolen was cancelled. 

On XX/XX/XXXX, I received a suspicious email from Wells Fargo saying that face ID had been enabled. This was not me. I did not authorize this. Then I got a code via email to verify my identity. This was not authorized or initiated by me. Next thing I know, a new recipient was added to my XXXX account ( my XXXX interface is built into my Wells Fargo app ). I did not authorize this, and I have never met or heard of the name of the the XXXX recipient. Next thing I know, the entirety of my checking and savings account was XXXX  in the form of 3 separate payments to this individual. I did not authorize, nor did I send any of this money. Immediately following I called and filed a fraud claim. Since filing that claim, it has been denied, as well as denied again during every attempt I have made to appeal it. I have repeatedly been hung up on and they refuse to discuss why my claim keeps getting denied. I have also filed an FTC ( Federal Trade Commission ) claim. 

Atached you will find the police report I filed in XXXX in the following days after the incident as well as the suspicious email alerts I received from Wells Fargo regarding the XXXX transactions that were not authorized or done by me.

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 2023-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
I made numerous attempts to get answers on this situation, i did not apply for any car loan, as they claim, nor have i know the co-buyer on this loan. Speaking to Bridge crest i was never give the location of where this loan was opened. i was never given any paper work with my signature attached to it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: WI

Complaint narrative:
I was not aware of this loan and I would like proof of this loan which I assume isnt plausible Id like this fraudulent account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: OK

Complaint narrative:
I first checked my credit report, only to see All accounts that did not belong to me and personal information was incorrect too. I also contacted each creditor on my credit report to advised them that I am a victim of Identity theft and I requested that the inaccurate account be removed or deleted 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 2023-08-28 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: OK

Complaint narrative:
I first checked my credit report, only to see All accounts that did not belong to me and personal information was incorrect too. I also contacted each creditor on my credit report to advised them that I am a victim of Identity theft and I requested that the inaccurate account be removed or deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: CO

Complaint narrative:
I have been in XXXX since XXXX of XXXX  when I was able to get access to my chime bank account in XX/XX/2023 I discovered that my account had been used without my authorization for XXXX transactions to a online merchant. I never authorized anyone to use my account. I immediately called chime bank XX/XX/2023 and disputed the transactions in total over $ XXXX. Chime bank decided that no error even thou I showed location proof I am in XXXX and the charges took place in Colorado so please be warned chime won't protect your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: TX

Complaint narrative:
I reviewed a copy of my credit report and the companies listed below ran an unauthorized credit inquiry on me. 

XXXX XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX Experian XXXX XXXX, Experian, XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights and should be removed. Please see attached FTC Identity Theft Report. 

Under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

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 2023-08-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
In XXXX I requested SLS Servicing to update the information correctly on my credit report. They are claiming that a charge off of XXXX was done back in XXXX  but that is not accurate. It was supposed to be a modification of the loan and they went ahead and charged of the loan for only XXXX not XXXX. I need that changed or removed. I am still making payments on this loan so how can it be charged off.

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 2023-08-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
While I was at work I received a notice that {$680.00} had just been withdrawn from an ATM in XXXX CA on XXXX. I called American Express Bluebird and immediately let them know, they advised me to. withdraw the remaining money from the account and close the card and they would send me a new one and start an investigation into the dispute. I received an email 2 weeks later stating the dispute was declined. I called them and they advised me to submit a new dispute and add timecard and video footage from me at work and then 10 days later another denial letter was submitted via email to me. I called back and they asked me to submit another dispute to reinvestigate and with 3 days I had a denial letter in my email. Upon reading reviews online I now know that this has happened to several clients and they have had to take legal action against the company.

Please share my story in hopes of finally reaching their corporate office and making them explain their reasoning behind not standing up to their responsibilities to their card holders and allowing them to be defrauded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
So on XXXX I texted a dude on XXXX  with the name XXXX XXXX and he was selling a XXXX for a good price so I texted him and asked how much and he told me and so I asked if he would take XXXX and he said yea and then I asked him where he lived and it wasnt to far from me about an hour and then this is where I shouldve stopped dont know why I didnt he asked me to make a deposit of about a XXXX $ so that I could have it in my name so no one else could take it. I told him Ill j take the risk and wait and thats a few days ago by and he texted me and said if you just give me {$150.00} for it XXXX you the XXXX the controllers and all the cords so XXXX like XXXX XXXX XXXX. So then I told him I would send him the XXXX when I go up to his house to meet him and he tells me to just XXXX  it to him now because he isnt going to be at his house and that XXXX just leave it on his porch. So Im like nah we have to meet up and then when I see it XXXX send you the money. So then a few days go by again and he text me aye if you send me {$120.00} to get a new key for my car and some gas that he could just drive it up to me. At this point its been forever and I just want the XXXX thing so XXXX XXXX XXXX  and sent him {$120.00} on XXXX XXXX  His XXXX  is @ XXXX. And so hes like awesome XXXX be leaving soon and so XXXX XXXX  and then a few hours go by and I ask where he is at and he text me back saying he is XXXX minutes out and thats when he hasnt texted me since and XXXX blocked me on XXXX and took down the listing. Please Im literally struggling so bad and yes I know it was very XXXX  to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
There were fraudulent charges against my account with even someone gaining access to my pin somehow, some of the charges included XXXX XXXX XXXX XXXX power bill, XXXX XXXX and XXXX XXXXXXXX XXXX I went to the bank on XX/XX/XXXX and discussed the pending charges that were not made by me and ask the bank to cancel my card. Went back to the bank on XX/XX/XXXX and ask why the card charges were able to post, and they said it wasn't their problem. So i go back on XX/XX/XXXX to ask for help with resolving this issue after receiving the letter claiming that i made the charges and my claim was closed. The claim number is XXXX. All these attempts were unsuccessful so i am reach out for your assistance. I plan to file a police report. I need help with resolving this issue because I don't think i am getting the appropriate help from WELLSFARGO Bank Representatives. The issue started when I contacted the bank about the issue on the XX/XX/XXXX and they closed the claim 5 days stating that the charges were made by me or someone who had permission. I tried to call and ask for supporting documentation regarding the closing of my claim and I was hung up on. Your assistance would be greatly appreciated. I understand Wellsfargo is closing branches and I am concerned that correct attention is not being paid to my concern.

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP
State: OR

Complaint narrative:
I bank at United States Bank in XXXX XXXX, oregon. complaint is I've been with over 10yrs and never have over drawn or behind of paying my credit card off. I have a debt and credit card? Several time I have ask for increase of XXXX 's and turn down all the time. There looking at credit score which is fair etc. There not looking at the my history with there bank. This is want there judging me for. Went to the manager of the bank and she gave me XXXX excuse. I don't believe her at all. This is not fair at all. I have another credit card with good standing and they increase my limit. Yet my own bank won't increase my limit... Pleas what can you do about this. I even card the credit sevice and took down my infor 2weeks later they turn me down

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 2023-08-28 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: FL

Complaint narrative:
I have recently obtained a copy of my credit report and noticed that Experian has inaccurately listed an address that I have never lived at. This erroneous information has the potential to negatively impact my creditworthiness and overall financial standing. I am deeply concerned about the implications this may have on my financial transactions, including potential loan applications and other credit-dependent activities.

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 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Received a letter they were reducing my credit line for non-use. XX/XX/23 Called and got nowhere. XX/XX/23 received second letter they were going to close my account for non-use. If I used the card it would keep the account active for two years. Went out and made a small purchase on XX/XX/23 in order to keep the account open. Of course both these actions by them would adversely affect my credit rating. Problem is that were literally blackmailing me via my credit thought they extended me the credit by their choice. How I used it should be my choice. I then wrote an email to the CEO XXXX XXXX. Letter attached below. No reply .... 
Again, I say this is nothing more than credit blackmail. Every time someone reduces your credit or threatens to close an account for reasons of abuse I get. Doing this for non-use is nothing more than punishment for good use of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AL

Complaint narrative:
I asked manager if I could get a copy of my receipts for the payments I have made on my debt and he was very rude and told me they dont give receipts and kept cutting me off while I was talking, he is very unprofessional, he talks to people any kind of way and this same company has provided my friend with receipts for her payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: OH

Complaint narrative:
There is a fraudulent account on my credit that isn't mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I called Wells Fargo every day to insure that they had received my covid forbearance package. Every day they said no, from XX/XX/XXXX to XX/XX/XXXX. They assured me over the phone with a different customer service representative each time that they are processing the forbearance and there is nothing to worry about. I called them for the last time on XX/XX/XXXX and they advised me to send in my monthly payment. I did that and 2 weeks later I received the check back along with a foreclosure notice to be active in 7 days. I had no option but to retain an attorney and file for chapter XXXX. I have owned my house for 24 years now and what they did was wrong, false information, denial for relief, etc.. Now a trustee has been taking {$2000.00} a month out of my paycheck and that is difficult giving the state of inflation. The struggle is real!

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