vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-15 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: NV

Complaint narrative:
{$940.00} is still out of my account from fraud with draws. Wells Fargo sent a letter saying " I must have given permission or bank card for transactions '' I live in XXXX NV, the fraud is from Florida. 
I went to local branch, hoping to resolve, this resulted in letter stated above. I explained to phone banker, the day these changes appeared I was attending my wife 's funeral and it was impossible for me to have been in Florida or Georgia. Call escalated but I was told it was my fault I should have given someone permission to use. I have been very grief stricken since my wife died and this is not helping. I have the bank statement that clearly shows the amount and places of fraud transactions

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 2023-10-15 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Date of First Delinquency : XX/XX/2019 I did not open or authorize this account, nor do I have any knowledge of the transactions associated with it. This fraudulent account is negatively affecting my credit score and my financial well-being. In accordance with 15 USC 1681i, I am requesting that you conduct a thorough investigation into this matter and take the following actions : 1. Verify the accuracy of the account information. 2. Determine the origin of this fraudulent account, including how it was opened and by whom. 3. Remove this fraudulent account from my credit report as it is not a legitimate account associated with me. I am including with this letter copies of documents that support my identity, such as a driver 's license or passport, as well as any other evidence that I believe is relevant to this dispute. Please note that I have also filed a report of identity theft with my local law enforcement agency, a copy of which is enclosed for your reference. Sincerely, XXXX 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 2023-10-15 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: CA

Complaint narrative:
Sometime in late XX/XX/2023, I received letters from Aidvantage telling me my autopay would still work and that my new monthly payment would be {$420.00}. The issue I had was that my minimum payment was {$320.00}. 

On XX/XX/2023 I waited on hold for an hour before reaching a customer service rep. I told him the situation and he told me there was nothing he could do on his end and the best bet would be to cancel the auto pay, and redo it and hope that would fix the amount paid to the amount owed without the overpay. I asked him specifically if there was enough time between XX/XX/2023 and XX/XX/2023 the day my first loan was due. He assured me it would be fine. So I cancelled the autopay, and resubmitted the autopay ( Emails attached showing this was done ). 

Today on XX/XX/2023 I log in to see that I've missed a payment, that my autopay did nothing, and now when I try to autopay it has the amount due as {$420.00} not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: NY

Complaint narrative:
Should credit transactions be on my consumer credit report? 

Should XXXX be reporting my personal information from third parties without my consent?

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 2023-10-15 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: NY

Complaint narrative:
Should credit transactions be on my consumer credit report? 

Should XXXX be reporting my personal information from third parties without my consent?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: WA

Complaint narrative:
I attempted to unlock my credit with TransUnion after a lock had been put on my account back when I was a minor. I am no longer a minor, and did not receive any information as to why I was unable to run my credit until the 5th or 6th phone call I made. In between each call, I was attempting to receive a car loan and only found out that my credit was still locked when the bank notified me each time that they could still not run my credit. 

Each phone call I made, I was notified that my credit was unlocked and given different responses about what they did to fix the issue. The fixes they stated were that they verified my identity ( multiple times ) and removed the document from my file. 

Finally on the last phone call they notified me that my credit was suppressed ( this was the first time I had been notified of this ) and I would have to call a different support line, which was not available the day I called. I am still in the process of dealing with this issue, and have not successfully contacted the suppression support team. I will be calling them tomorrow to attempt to remediate the suppression. 

This issue has prevented me from being able to receive a car loan, and they have failed to convey the issue or why my credit is locked in an appropriate time frame. 

For reference, I made my first phone call to them weeks ago. I have been unable to receive any documentation showing what I have requested, or what they have changed on my file because they do not do emails.

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 2023-10-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Every month the balances goes up by a small dollar amount which lowers my credit score! it is fraudulent and should be deleted from my account for fraudulent activity. Maliciously and harmfully raising a past due collection amount to continue to inflict personal harm against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NE

Complaint narrative:
In XXXX I consolidated my federal loan per new guidelines for PSLF ( public service loan forgiveness ). My main account was with Nelnet. A partial balance was then transferred to XXXX XXXX and then later the entire consolidation to XXXX. I have been trying to request refund on payments I made since XX/XX/XXXX under the CARES ACT. I have contacted all servicers- Nelnet, XXXX XXXX and XXXX. All servicers have stated they can not refund payments made before the consolidation since it was under a different servicer. I have continued to have the same response and have asked to get this escalated or file a complaint and no action has been taken. 
The payments I made from XXXX all end up going to the Department of Education which does not matter the servicer, therefore those amounts ( which are thousands of dollars ) should be refunded as during the Covid pandemic it was later decided that you could ask for refunds on payments made during this timeframe. Because now my loans are considered a new consolidation ( which was recommended I do to qualify for PSLF ) no servicer wants to handle my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
I did research and found inaccuracies on my credit report In Accordance with Fair Credit Reporting act One Main Financial and XXXX XXXX XXXX both have violated my rights. 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 which neither of them did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: FL

Complaint narrative:
THERE WAS AN ACCOUNT OPENED WITH XXXX XXXX XXXX AROUND XX/XX/XXXX AND A BALANCE OF {$2900.00} WHICH IS NOW A CHARGE OFF ACCOUNT AND PLACED FOR COLLECTIONS WITH XXXX XXXX.. I HAVE SENT OUT NUMEROUS OF LETTERS OF THIS BEING A FRAUDULENT ACCOUNT TO XXXX, XXXX AND TRANSUNION AS WELL AS FTC REPORT WHICH WAS INDEED SENT OUT XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX AND NOTHING HAS BEEN DONE ABOUT THIS. I CONTACTED XXXX XXXX XXXX AND WAS TOLD THEY NO LONGER HAVE THE ACCOUNT AND I CONTACTED THE COLLECTION AGENCY AND THEY HAVE YET TO GIVE A VALDIATION LETTER AND OR CONSIDER ALL DOCUMENTS THAT I HAVE SENT IN.

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 2023-10-15 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I need to attend the following shown items in this letter which contains data taken directly from my credit report which have been provided Hard inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help me to Delete this unconfirmed inquiry lacking certificates evidence unless physically certified verified proctor is demonstrated per U.S CODE 15 U.S.C. 
1681 ET SEQ. Section 604 of Fair Credit Reporting Act I do not recognize approving all these companies to run my credit I only approved my bank XXXX. Could you please help me to clear my history from interned credit checks 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 2023-10-15 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: TN

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I have been trying to dispute the {$390.00} for over a year now with multiple disputes. I have not received any items from this company. I have asked the company if they can provide me with the tracking number so that I track or see if the item was delivered. LVNV FUNDING LLC has refused to give me any information so I could dispute it with credit bureaus. This company has also added this on my credit report without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Torriere Holdings INC
State: MO

Complaint narrative:
XXXX XXXX I WAS TOLD THAT I OWE A BALANCE THAT I HAVE NO KNOWLEDGE ABOUT WHICH I ASKED THEM TO NOT CONTACT ME AND THAT I AM A VICTIM OF IDENTITY THEFT TWICE SINCE XXXX AND XXXX YEAR I HAVE MADE SEVERAL REPORTS TO THE CREDIT BUREAUS ABOUT THE INCIDENT ..THE DEBT COMPANY STILL INSIST ON ME PAYING WHICH I HAVE NO KNOWLEDGE OF.AT THIS POINT I FEEL LIKE I AM BEING HARRASSED WHICH IS CAUSING EXTREME STRESS AND TRAUMA IN MY DAILY LIFE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Today I was one the phone with a Mortgage Broker to get pre-approved for a home loan. My credit score was lower than expected and she said advised that this was due to a Kohls Capital One Credit Card taken out in my name, immediately maxed out, and never paid. This apparently happened in 2017. I have never shopped at Kohls nor I have ever had a store credit card. For the last 5 years this was dinged my credit score each month and i had no idea. How do we resolve this situation and repair my credit card ASAP. This is not fair and something that needs to be fixed. 

Thank you, XXXX XXXX. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 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: MD

Complaint narrative:
EXPERIAN is obligated by the FCRA to report accurate information as it relates to consumer reporting. Please be advised that the inquiry from XXXX is being reported are FRAUD. This is identity theft, as I did not give said companies written authorization to add any inquiries to my credit report. EXPERIAN has 4 days to remove the inquiry pursuant to 15 U.S. Code 1681c2 -Block of information resulting from identity theft In addition, this is a violation of 15 U.S. Code XXXX - Permissible purposes of consumer reports. I am requesting that XXXX provide the documentation used to determine that the inquiries were indeed authorized by XXXX XXXX, the consumer. EXPERIAN will need to provide me with the person to whom they spoke, the documentation used, and signed authorization with my wet ink signature. If EXPERIAN does not have the documentation to show these inquiries were in fact authorized, it must be removed ASAP. The inquiries reported are adverse and derogatory in fact and in principle, and their reporting is in violation of 15 U.S. Code 1681c - Requirements relating to information contained in consumer.

This inquiry should be removed ASAP so it does not continue to adversely affect my creditworthiness.

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 2023-10-15 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: OR

Complaint narrative:
All debts are not mine, negative reports and delinquency is proving to have adverse effects on acquiring financing. These people, delete these erroneous findings please for heaven sake. I deserve a better quality of life and for this to happen these fake ridiculous accounts should be looked into so they can be removed at once!

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 2023-10-15 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I filed a dispute against Walmart for a large purchase because it was delivered to my neighbors house. They rejected this and claimed I violated their return policy and can no longer make online purchases. However, even though trying to reason with them and explain the situation, they didnt fix it. And they prevented me and other relatives who live with me from ordering online through their services. This is unfair, especially since Ive been a customer with them for more than 6 years and I have a card I can only use with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
up on several request to transunion asking them for verification of inaccurate information on my consumer report of information that i never provided or consent about they never replied until i sent them a pre arbritration letter

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 2023-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was recently robbed of my phone which led to multiple unauthorized charges on many of our accounts. I use this XXXX credit card to pay my rent and due to all my accounts being locked, I was trying to use the XXXX card. I wanted to make a minimum payment that would allow me to stay current on my account. I used a separate checking account that would allow me to pay my balance on the card. I used the credit card 's automated system to connect my checking account to my credit card. I reported the fraud on my XXXX card and I asked for a replacement card and made my minimum payment. I am unsure of what happened next and the next time I called the credit card company, they said my account had been closed and offered no explanation. The letter I received provided no further explanation. I can't see the balance on my account or anything like that. I am attaching a police report that provides the timeline of these events.

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 2023-10-15 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: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
I need to attend the following shown items in this letter which contains data taken directly from my credit report which have been provided Hard inquiries : - ALLIANT CREDIT UNION 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 XXXX XXXX Please help me to Delete this unconfirmed inquiry lacking certificates evidence unless physically certified verified proctor is demonstrated per U.S CODE 15 U.S.C. 
1681 ET SEQ. Section 604 of Fair Credit Reporting Act I do not recognize approving all these companies to run my credit I only approved my bank XXXX. Could you please help me to clear my history from interned credit checks inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: OH

Complaint narrative:
! account number XXXX! Subject : Dispute of Fraudulent Credit Card Account Pursuant to 15 USC 1681i Dear Sir/Madam, I am writing to formally dispute a fraudulent credit card account that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports. I have recently become aware of an account listed on my credit report that I believe is the result of identity theft. The details of this fraudulent account are as follows : CREDIT CARD! 
! Date Updated XX/XX/XXXXXXXX  Last Payment Made XX/XX/XXXXXXXX  Date Closed XX/XX/XXXXXXXX 
XXXX XXXXXXXX XXXX Name : XXXX Date of First Delinquency : XX/XX/XXXX I did not open or authorize this account, nor do I have any knowledge of the transactions associated with it. This fraudulent account is negatively affecting my credit score and my financial well-being. In accordance with 15 USC 1681i, I am requesting that you conduct a thorough investigation into this matter and take the following actions : 1. Verify the accuracy of the account information. 2. Determine the origin of this fraudulent account, including how it was opened and by whom. 3. Remove this fraudulent account from my credit report as it is not a legitimate account associated with 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 non-monetary relief