vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-07 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: GA

Complaint narrative:
The reason I am submitting this complaint is because I contacted XXXX approximately around XX/XX/2023 for the second time and demanded the following experiences be excluded from my consumer report because they violate my consumer rights based on the FCRA. - XXXX XXXX and XXXX XXXX XXXX. The following codes below support my request to have the items above excluded from my consumer report. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 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: FL

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 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 explanation
Consumer complaint received 2023-10-07 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: CA

Complaint narrative:
I was charge over draft fee when I didnt have overdraft protection ad when I had money deposit into my account thy hold my money in holding then charge me over draft fees then deleted my money that's in hold then they'll take my money and hit me with overdraft fee and then when I make. A purchase they will show funds available then after my purchase is completed the bank will take the funds for the purchase back put it in hold and charge me overdraft fee then they will take the payment for my purchase out of my funds way later on and forcing overdraft fee are they taking the payment for my purchase way later when I don't have the funds in my account forcing them to overdraft my account with the purchase payment I earlier on had the funds and made my purchase and getting confirmation the payment went through but after that the bank take my payment back with out my knowledge and then wait days later when my account is low on funds are no funds now they wan na charge my account for that purchase which I felt was odd because when I made the purchases and they take my payment right then and there and then why would they take my money back for my purchase after confirmation that it went through and i felt like wellsfargo bank was double charging mu account like right now i already told them if i dont have the funds for a purchase dont allow the purchase to go through because of the overdraft fee well thy authorize a {$300.00} payment to go through with out the funds in my account for them charge me a overdraft fee leaving my account overdrawn by {$300.00} right now after i told them i dont have overdraft protection so why they authorized these transactions but I cant make purchases when ever I want to if I have overdraft protection but they allowing payments to tske out my account when i dont have funds in my account and they cant answer why they allowing the payments to go through with out the funds been in mu account and they constantly do this to mu account

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 2023-10-07 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: AR

Complaint narrative:
There is incorrect info on my credit report should be correct and updated with document Letter By XXXXXXXX XXXX XXXX XXXX XXXX As Proof of my Student Loan Paid In Full By The Biden-Harris Administration Forgiven Federal Student Loan Listed Below With XXXX In Full. Loan Type or Program ( XXXX ) First Disbursement Date XX/XX/ Original Principal Balance {$26000.00}

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 2023-10-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: IL

Complaint narrative:
On XX/XX/2023, a letter was sent to GreatPlains Finance , LLC dba CashAdvance Now was instructed to revoke all future ACH payments and to terminate loan as it violates the The PLPA of Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: The Capital Good Fund
State: FL

Complaint narrative:
I received a loan for the amount of {$1500.00} from Capital Good Fund on XXXX XXXX XXXX This company appears on its website as if they are helping XXXX  with lower interest rates for loans which is not true. They are using and XXXX XXXX. I sent them an email in XXXX and asked for payment deferral to XXXX. They charged my account for XXXX and XXXX in the beginning of XXXX. I was in the process of moving and I applied for a mortgage. Then I realized that Capital Good Fund put a derogatory mark on my credit as if I had a pastdue balance for 2 months whereas I had no pastdue balance. I got denied for mortgage. I could not apply for rental apartments when my credit score fell XXXX points down due to this incorrect reporting by this company that was supposed to be helping XXXX I spent a lot of time with disputes and complaints for 3 weeks. After 3 weeks of stress and complaining, the negative comment on my credit was deleted and their representative sent me an apology email. An apology email is NOT enough for ruining my plans. I ended up paying {$250.00} more rent every month because of this company. I demanded them to waive the remaining balance which is around {$1100.00} for their negligence that affected my life severely. But they refused. I will not make any future payments to this company that destroyed my plans and my economic situation. If I am paying {$250.00} more rent every month because of this company, they are liable more than just a simple apology.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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:
In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX - ending in XXXXXXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX - ending in XXXX XXXX XXXXXXXX XXXX  - ending in XXXX XXXX ending in XXXXXXXX XXXX XXXX ending in 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 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 2023-10-07 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: GA

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


XXXX XXXX XXXX - ending in XXXX XXXXXXXX XXXX - ending in XXXX XXXX XXXX - ending in XXXX XXXX XXXXXXXX XXXX XXXX  ending in XXXX XXXX ending in XXXX XXXX XXXX ending in 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received a person-to-person payment on XX/XX/XXXX. The money was successfully credited to my account. 3 days later the bank blocked my account, deleted my email and I was only able to recover it once I contacted the bank. When I recover my account I see that the bank reversed the payment without my authorization or prior consultation. Now the bank, when I explained that that money belongs to me and I did not authorize them to take it or return it, told me that I could file a complaint but that the money was already returned even though they claim that XXXX transfers are not cancelable, however they withdrew XXXX my account without my authorization

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 2023-10-07 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:
The reason I am submitting this complaint is because I contacted Experian approximately around XX/XX/2023 for the second time and demanded the following experiences be excluded from my consumer report because they violate my consumer rights based on the FCRA. - XXXX XXXX and XXXX XXXX XXXX. The following codes below support my request to have the items above excluded from my consumer report. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
So, I had fraud on my account and they cancelled my card and sent me a new one. It took a week and a half to GET a NEW credit card. Then on XX/XX/23 there was a fraudulent transaction that I tried to address on their APP and website AND, they cancelled my credit card again! Said they would send a new one. 

1. I have not received a new card yet.

2.They have not addressed the false charge that was not me and they won't give me a credit.

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 2023-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: WI

Complaint narrative:
I have contacted XXXX and my current servicer, XXXX, about an error in my national student loan data file. My federal undergraduate and graduate loans were rolled into a federal consolidation loan with Conduent on XX/XX/XXXX. One of my previous loans ( XXXX XXXX XXXX XXXX XXXX ) serviced by XXXX  ( loan XXXX ) was coded incorrectly as Paid in full ( PF ) instead of Paid in full by consolidation ( PN ). I have spoken with supervisors at XXXX, XXXX, and XXXX. Each call has lasted 3-4 hours due to high call volumes and multiple transfers. I am awaiting my loan history document request to be processed, they are having difficulty processing requests in a timely fashion given the overall burden on the industry associated with the end of the repayment pause. 

I have reviewed my loan history and analyzed it with respect to the guidance on the one-time account adjustment guidance published on the Department of Education website ( XXXX XXXX XXXX  ). I have made 306 of the 300 payments required for forgiveness under IDR according to the new rules. 

**If the status of the above referenced loan had been coded correctly, I would have been granted forgiveness on my {$150000.00} in loans with the first wave of borrowers on XX/XX/XXXX. ** Not only should I not be required to make the {$340.00} monthly payments on this loan, I should also be receiving a refund for six payments. 

The loan status error in my file is among the many errors Conduent was ordered to remediate after the XXXX CFPB investigation into their unfair and incompetent servicing practices. Before that, I was a victim of Conduent 's unfair practices, going in and out of forbearance dozens of times when my wife and I were unable to afford our {$2500.00} in student loan payments each month, when Conduent should have advised us of our eligibility for IBR, that would have cut our payments by XXXX 

This is a very important financial issue for our family. I have asked for my case to be escalated to the XXXX ombudsman and have not received a reply yet. 

It should not be this difficult to get this status updated. I know that the Biden administration is very motivated to forgive as many loans as possible as quickly as possible, but these administrative challenges need to be handled in a more efficient and rational manner to achieve this. I am very hopeful that you can help me get this corrected as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation