vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, 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 was a victim of identity theft and upon review of my credit report I discovered multiple fraudulent accounts, I reached out to the creditors with no response and now I am seeking you assistance in getting this matter resolved.

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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
As of late XX/XX/XXXX XXXX XXXX XXXX XXXX  is reporting a balance of XXXX ( the account has been closed charged of as of XX/XX/XXXX ) Since corvid I have tried many times to have this corrected and still they in fact kept the balance still opened. Stent letter to all 3 credit bureaus to XXXX- to result.

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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Furnisher XXXX XXXX XXXX is reporting an old alleged debt that has been previously invalidated and removed from my credit. They claim to be the holders of 2 accounts ; Original Creditor " XXXX XXXX XXXX XXXX '' Amount Owed : {$2200.00} Account # : UNKNOWN Original Creditor is ; " XXXX XXXX XXXX XXXX Amount Owed : {$9700.00} Account # : UNKNOWN both these accounts were never validated after a lawful request, Specifically, XXXX and XXXX are violating my rights under the following FCRA laws ; 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 an account without my written instructions. 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. It is unlawful to reinsert accounts previously deemed invalid onto my credit report just because a new DEBT COLLECTOR/DEBT BUYER has acquired and is reporting the exact same debt. The CRA is required to reinvestigate and verify the information before reporting it. This repeated insertion of these invalid accounts are causing me financial as well as emotional damage as I have been denied a mortgage. I have been rendered XXXX for the last 30 days because of 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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX account listed on my credit report was one of the creditors listed in my bankruptcy case. The account has been showing as open and over the limit since before I filed my case on XX/XX/22. I called the creditor to request the report be updated and was informed I had to request by mail. I sent a letter to the creditor with a copy of the bankruptcy petition but never heard anything. At the beginning of XXXX I opened a dispute of the account with Experian. The results came back as allegedly being provided documentation proving the account is correct. At this time the bankruptcy was discharged. I reopened the dispute and provided copies of the petition, schedule listing creditor, and the discharge notice. The results came back today that the account was proven to be accurate. The account was included and discharged in bankruptcy but creditor refuses to abide by court order of bankruptcy discharge.

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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Company has been reporting account and does not reply to any of my 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 explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
Experian continuously sends me notification emails about new products they offer. 

They claim that these emails are not marketing emails because they sometimes include a link to check my credit report. However, it's clear that the primary purpose of these emails is marketing, and not " a recent change to my account '' or " important information about your account ''. 

This is particularly the case because clicking on the link in the email takes the user to an aggressive, full-screen, up-sell to a " premium service '' that no user who understands the credit reporting system would agree to use.

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 2022-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/2022 a transfer of {$14000.00} was done from my saving account to my checking account in Wells Fargo, I was notified XX/XX/2022 in Wells Fargo Bank in XXXX XXXX, XXXX, Fl that this transfer was done via phone call. The teller of the bank notified my that there were some charges in my checking account in the XXXX, Tx area done XX/XX/2022 up to {$7600.00} and that the pin number of my debit card was change. I called the costumer service from my office number, because my cellphone was not working and they couldn't help me in the branch, I notified them that the transfers or/and the charges in Texas were not mine, the bank froze the account and open an investigation that lasted 10 business days ( 2 weeks ) and they concluded that there wasn't any fraud indication, even knowing that the branch manager or the Wells Fargo in XXXX Texas XXXX XXXXXXXX XXXX contacted me and let me know that a woman came to her bank with a Florida Id and attempted to withdraw {$4000.00} from my account, but she denied the withdraw when she noticed the unusual charges done that day ( XX/XX/2022 ) and she wasn't able to answer some questions correctly. My online banking sent me emails that the password has been change I called the bank again and notified them that wasn't me to please XXXX everything. I also had a separate issue were a XXXX XXXX credit card was open and charge with {$3800.00} and I am unable to open a police report here in XXXX, Fl or in XXXX, Texas because I need a fraud affidavit from the bank which would not be provided. In conclusion, the bank failed to secure my money, didn't notify me of unusual charges in a different state and I lost {$7600.00} and the bank is not taking responsibility and is victimizing even more a victim of Identity theft and bank fraud.

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 monetary relief
Consumer complaint received 2022-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
I called AidVantage and spoke with a customer service person there and he put me on hold to research my question for quite a while, came back on and said my loans do NOT qualify for the " One-Time Payment Count Revision for Eligible XXXX Borrowers '' because I consolidated them, which reset the payment count all the way down to only XXXX AFTER DECADES OF MAKING PAYMENTS. 

This is not true and I need to be certain my loans are reviewed for inclusion in the current forgiveness situation being applied this fall. He also told me this only pertains to public service loan forgiveness, which is also not true! 

AidVantage gave me bad information, if you take the details found here - XXXX XXXX XXXX - into consideration. I just don't want to be automatically overlooked by a XXXX who doesn't really care...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CO

Complaint narrative:
US Bank XXXX Colorado. Deposited check made out to me & my husband, both of us endorsed back of check. US bank the next day held check until we came in with both our IDs since it was a joint check being deposited into my sole account. We both went in with our IDs and copies were made. The branch manager was at lunch & we were told we would not have to return since copies of our IDs were made. The branch manager XXXX XXXX returned from lunch and proceeded to call me and yell at me for interrupting his 3 hour lunch & unless I personally came in showed him some respect and apologized before XXXX he would not deposit my check & make it hard for me to get my money this is a {$13000.00} check for my roof replacement which starts today & now I am at the whim of a manger who has a giant ego & thinks its his money not mine.

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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
As of late, I have been in process of correcting incorrect/inaccurate information on my credit file. After careful review of the credit reports from the bureaus I can confirm that there is still incorrect information on my report. 


On XX/XX/2022, I sent 3 certified letters to XXXX, Equifax, and XXXX. In those letters, I simply asked if it was possible to remove incorrect personal information from my credit report. There are too many inaccurate addresses, names, and employment information on my file that isn't supposed to be there. 


I've also taking into account that incorrect, and false information on my credit report is a violation of my personal and privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
As of late, I have been in process of correcting incorrect/inaccurate information on my credit file. After careful review of the credit reports from the bureaus I can confirm that there is still incorrect information on my report. 


On XX/XX/2022, I sent 3 certified letters to Experian, XXXX, and XXXX. In those letters, I simply asked if it was possible to remove incorrect personal information from my credit report. There are too many inaccurate addresses, names, and employment information on my file that isn't supposed to be there. 


I've also taking into account that incorrect, and false information on my credit report is a violation of my personal and privacy rights.

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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX believes that Santander Mortgage violated fair faith and dealing with loan modification and fiduciary duties in their responsibility to accept mortgage payments and to provide loan modification. XXXX XXXX would otherwise have qualifed under the XXXX XXXX XXXX XXXX. Santander would change servicers without proper notice to the homeowner which resulted in funds being paid and held by the wrong servicer. 
These actions took place from 2017 onwards. A judgment for foreclosure was provided.

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 2022-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Several weeks ago I tried to set up an online ACH transfer of {$3000.00} from my bank, Huntington Bank to my XXXX account and was told they could not do so until I proved that the account I was transferring to was owned by me. I printed the top half of my latest brokerage statement showing my name and account number. They replied that they must have the complete brokerage statement to proceed as it could be " easily manipulated. '' I don't think that is the bank 's business to see my complete brokerage statement. I instead mailed them my XXXX Account Profile information sheet, again showing my name, address and XXXX account number. Now they are ignoring me. 

I don't think this is proper. Please advise. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
on XX/XX/2022 I got two emails stating that I had " successfully added a wire transfer recipient AND that I had recently submitted a wire transfer for {$3500.00} '' and that if I did not submit this transfer, to call Wells Fargo at XXXX, which I did IMMEDIATELY! 
I have NEVER authorized a wire transfer from my account and I do not know the recipient!!! I immediately filed a fraud complaint, closed my account, cancelled my debit card and opened new account. i was told that I would have a resolution in 5-10 business days. XXXX weeks later I was told that there was nothing they could do and that my claim was closed.

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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
As of late XX/XX/XXXX XXXX XXXX XXXX XXXX is reporting a balance of XXXX ( the account has been closed charged of as of XX/XX/XXXX ) Since corvid I have tried many times to have this corrected and still they in fact kept the balance still opened. Stent letter to all 3 credit bureaus to XXXX- to result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
As of late XX/XX/XXXX XXXX XXXX XXXX XXXX  is reporting a balance of XXXX ( the account has been closed charged of as of XX/XX/XXXX ) Since corvid I have tried many times to have this corrected and still they in fact kept the balance still opened. Stent letter to all 3 credit bureaus to XXXX- to result.

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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
In accordance with The Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S. C 1681 Section 602 A states I have the rights to privacy. 15 U.S. C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2022 at approximately XXXX XXXX XXXXXXXX I received text notifications from Chase ( XXXX ) notifying me that 3 consecutive ATM withdrawals had occurred from my checking account in the amount of {$1500.00}, {$1300.00}, and {$120.00} which effectively dropped my account balance to a few dollars. At this same exact time I was at work in XXXX, TX and the crime was happening in XXXX XXXX TX 3.5 hours away from me. I called the non-emergent XXXX XXXX PD number to report the crime at which I was told that because I lived in a different County I had to report it to my authorities even though the crime did not occur within XXXX XXXX ( Report number XXXX ). XXXX XXXX Sheriffs Department then told me the opposite, that I had to work with XXXX XXXX PD. 

As it relates to JP Morgan Chase, I notified them of the fraud and froze my accounts immediately that day on XX/XX/2022. After speaking with them I was told that the account was accessed through XXXX at an ATM through my Mother 's parent account which has access to my account and my sisters. They, too, had their accounts drained the same day and around the same time. My mother was at work in The XXXX, TX and my sister was at work in XXXX, TX when this crime was occurring. Chase told me they would look into it. Over the course of 4 months and varying calls, they investigated my claim around 4 times, each time stating they could not verify it was fraud. At the same time, the other 2 accounts impacted, my Mothers ' and my Sisters ', were verified to have been fraudulently accessed and Chase returned them the money that was stolen from them. 

There is a disproportionate and inequitable level of response and treatment here from Chase for the same crime. If money was returned to the other 2 accounts impacted by this crime, then how they continue to deny me is an error in their process and workflows. Chase has now closed my account, but has begun the collections process to try and get me to pay them the money that was stolen from me ( {$2900.00} ). My account went negative shortly after the crime, because my mortgage and other bills that are auto-drafted hit my account. Having been the victim of one crime I am now being asked to be double-victimized and be out {$5800.00} ( once for the money that was stolen, and now to repay Chase money that was taken from me ).

Company response to consumer: Closed with explanation