vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Transform Credit Inc.
State: WI

Complaint narrative:
My personal information was used to forge a signature on a personal loan through a person I don't know in another state through Transform Credit. 

Although I could not tell whether it was a phishing email, I received an email with documents outlining a loan that had me forged as the cosigner/guarantor on a loan, but the email did come from the Transform Credit email address. 

On the loan documents my name was spelled wrong and the address used was an old one. 

It appears that Transform Credit failed to do any due diligence to verify the identity of the guarantor. I am not sure if someone was able to find pieces of information to use my identity for this fraudulent behavior or this is a more serious breech of identity theft. 

I reached out to Transform Credit to tell them that this application was fraudulent, that I never signed to be a cosigner and that they needed to cancel the loan. I have yet to receive a response from Transform Credit. 

The email was sent on XXXX XXXXXXXX XXXX  from XXXX for a loan application. I emailed back to XXXX immediately because this was the only contact information on the Transform Credit website. Two documents were attached to the email outlining the cosigner agreement and the loan information. 

The loan was a credit loan for {$3200.00} with an APR of 35.99 % in the state of Georgia ( a state where I do not live ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
One time I called to see the amount of money I own in the car and they told me i own XXXX And like two weeks ago I called and told me that i own XXXX dollars on a car that's is not worth it but the problems come from the dealer if you search for them and see the reviews that they have you'll see that many people saying they even open an account to people without the person concern the yo every dealer I go they don't want to take the car because the amount of money they put at the beginning I had a car different to the one I actually have and they cancel de loan with the bank and added the one that I have right now and what I think is they mixed both of the amount money of each car because that's not normal to have such a high bill when they told me I just own XXXX they are thief as the dealer where I got the car from when I first got the car it got overheat and I had to return to the dealer and I told them I don't want that car and they told me they can't do anything, they sold me that car for XXXX a XXXX XXXX XXXX  you think that's fair?

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 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX  there was a check deposited into my Wells Fargo account. Which I did not log into my bank until three days later and seen that it was in the negative. The money was taken out at an atm using my debit card which was lost. For my transactions Ive only used XXXX XXXX which I mentioned to the bank because I didnt know where my card was but they still denied my claim. Around XXXX my social security number and my driver license was posted on instagram by someone I know, and ever since then Ive been getting letters in the mail about trying to open a new account with different banks which I did not do. Now my Wells Fargo bank is in the negative because of a check I did not deposit. Ive been on XXXX XXXX since XX/XX/XXXX, I have not been to an atm or have any way of getting paid, since Im XXXX XXXX and dont get a maternity leave check. I do not know where the check came from the signature on the check doesnt even match mine. I start back working on XX/XX/XXXX and that is the only bank account I have, but my account is XXXX and I dont want the money I make from work to go into the account and just lower the negative balance because I never deposited the check.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I never authorized or set up these accounts, and I believe they might be acts of 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 explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The credit card company ( XXXX ) was reporting the month of XX/XX/XXXX  as late on my credit report. After speaking with them about this reporting they reversed the late charge and assured me the reporting would be corrected and suggested I dispute it with experian for faster results on my report. I disputed the reporting with experian and provided documentation showing the reversal for 2 late payments. Experian gave me an update claiming the merchant ( XXXX ) validated the late payment. I then contacted XXXX and they informed me that they have already reversed the late charges and they no longer have it in their account history as a late payment. I contacted experian to inform them of XXXX response and they had me file another dispute with the same documents as the last. It seems neither experian or XXXX can make sense of why this late payment report is still showing so I am contacting you all in hopes of a resolution.

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 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase has a great deal of machines that are old and they refuse to ensure that they are working correctly for the sake of the customers accounts. On XX/XX/XXXXXXXX  ; I went to an atm that was completely out of the norm of the local atms that I use, because I was coming from an event. I deposited {$700.00} first into the atm to cover the negative balance that was tied to my account. I think entered my pin again and deposited {$380.00} to the account to make sure that the additional transaction that was due to hit my account would be covered. At that point I could hear the machine making noise and then I received a message that said " to be sure your deposit went through, please call XXXX XXXX ''. It also stated on the screen that this machine can not give or accept cash deposits. Immediately I called and there was no proof of my deposit on the automated service. So I called the next day to file a claim and they said that it would take 10 business days to for the investigation to be completed, because they were going to count the money in the machine. I asked to speak with a supervisor who informed me that the department that would expedite my provisional credit is closed and I would have to call back tomorrow to speak with another manage to have them to approve the credit. I had to go and take more money out of a different account to cover at least the overdrawn amount. I called back today and spoke with XXXX who is a Gen acct supervisor ; who informed me that Chase has a lock on my account and that I would probably have to wait the 10 days for my money to be released. In the meantime, I have other expenses that will be coming through the account that will be returned due to insufficient funds and would put me in a deeper bind. I received a letter this morning ( XX/XX/XXXXXXXX  ) from the claims department that I didn't understand. So I called and asked to be transferred to a supervisor and was transferred to XXXX who told me that she apologize but they don't show an overage and so my claim was denied. She said that they didn't have to count the atm because they have a report and she refused to look at the camera to see me adding anything to my atm. She said that she don't have to look at it and I can't force her to look at it. She said if I want it don't then I would have to request a subpoena. I ask her if they are just going to steal my money and she blew me off saying that she apologize but there is nothing that I can do about it. I don't have additional money to put into that account and I'm running the risk of my account being closed due to being overdrawn, and I already have money tied up that they refuse to give back to me. This is my hard earned money and I don't feel like it's fair to take money that does not belong to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The below are all accounts that were compromised by scammers and hackers attempting to steal my identy. This IDENTITY THEFT, caused my LATE PAYMENTS. For the months and accounts listed below. Therefore, this directly is a violation of FCRA 605b.. This is not a *DISPUTE. Per 1681c-2, this inaccurate reporting. A clear violation of my consumer rights which now allows me to take civil action against this compay. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-24 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: GA

Complaint narrative:
The below are all accounts that were compromised by scammers and hackers attempting to steal my identy. This IDENTITY THEFT, caused my LATE PAYMENTS. For the months and accounts listed below. Therefore, this directly is a violation of FCRA 605b.. This is not a *DISPUTE. Per 1681c-2, this inaccurate reporting. A clear violation of my consumer rights which now allows me to take civil action against this compay. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24 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: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-10-24 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: CA

Complaint narrative:
XXXX XXXX  is on my Trans union credit report. It is not mine debt and should be removed. I provided Trans union with the valid paperwork for this debt to be remove and they have failed to compile with the The Fair Credit Reporting Act ( FCRA ) is the federal law that, among other rights, gives me the right to dispute incomplete or inaccurate information. Due to there lack of responds I file a complaint with the Consumer Financial Bureau until this debt is removed. Please note : XXXX & XXXX has already removed this fraudulent debt 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 non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXXXXXX  I Sent A Letter after I recently received a copy of my credit report, and I noticed some accounts still on my consumer report that is inaccurate. 


This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that the accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX I have Yet To Receive anything. They Are Not complying by their own rules. and breaking the Laws.

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 2023-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
I called to check on the refund due back to me from Mohela. I spoke to a rep that stated they sent 3 checks back in XXXX directly to my bank. I advised them that I see no payments and I called my bank and they also verified no payments recieved. I asked who next should I talk to since those payments would be close to 60 days. I was advised they have no idea and i can call the department of education. I do so and was hung up on 2 twice. I finally got someone that told me I need to talk to Mohela. This is definately not what I could do if I owed them money. The refund is over XXXX. The 3 checks the rep quoted added up to {$530.00}. i need answers about my refund please and thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
unauthorize inquiries. remove from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 has violated my rights. Or a list of inquiries : 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 a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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 has violated my rights. Or a list of inquiries : 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 a 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 2023-10-24 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WSFS FINANCIAL CORPORATION
State: PR

Complaint narrative:
The purpose of this notification is to address my situation with a foreclosure action, on a reverse mortgage, enacted by the Wilmington Savings Fund Society against my cousin. 
My cousin was diagnosed with XXXX and could not respond to notifications. As a relative, I tried to intervene to address the issue but was denied requested information. 
There was an initial auction on XX/XX/2023, for {$90000.00}. That auction did not go through. There was a secondary auction on XX/XX/2023, for {$60000.00}. However, that did not go through. Prior to and during the auction proceedings, I submitted my interest, to the sheriff, in purchasing the property.

After the second auction, I found out that Wilmington Savings Fund Society purchased the property, and no further auctions were to take place. 
I continued to show interest in purchasing the property, however, no matter what method I used, I have not received a reply. 
On XX/XX/2023, I was contacted by a court representative stating the Wilmington Savings Fund Society has requested that I be evicted from the property. To date, despite my efforts, I have not been provided with the chance to discuss this issue with appropriate individuals. 
I do state again, my interest in discussing the current asking price for this residential property.

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 2023-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: PA

Complaint narrative:
During the student loan freeze money automaticly withdrew from my account which was wrongfully taken out of my account to due to loan forgiveness being in effect. 

Payment Details Confirmation Number : XXXX XXXX Account : XXXX Group ID : XXXX Payment Amount : {$62.00} Payment Effective Date : XX/XX/2023 Date Payment Authorized : XX/XX/2023 Routing Number ending in : XXXX Account to be Debited ending in : XXXX Confirmation Number : XXXX Nelnet Account : XXXX Group ID : XXXX Payment Amount : {$71.00} Payment Effective Date : XX/XX/2023 Date Payment Authorized : XX/XX/2023 Routing Number ending in : XXXX Account to be Debited ending in : XXXX Confirmation Number : XXXX XXXX  Account : XXXX Group ID : XXXX XXXX XXXX : {$74.00} Payment Effective Date : XX/XX/2023 Date Payment Authorized : XX/XX/2023 Routing Number ending in : XXXX Account to be Debited ending in : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 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 a 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 of 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