vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
on XX/XX/year>| received a call from XXXX at XX/XX/XXXX, I forwarded it to voicemail and they called me back twice so I answered the third time and they said it was my bank calling me due to some suspicious activity on my account. 
They asked me to look at some charges with me and then actually read off the most recent charges that were on my credit card with me and asked which ones were me and if I recognized any suspicious charges. They then said they already removed a wire transfer that was made to a " XXXX '' in XXXX FL and they need to move all my money to a new account. I said, " OKay, do you mind if I put you on hold. '' I called the number they called me on and it is the actual customer service line for Wellsfargo, so. I figured it was them and the fact that they were telling me charges I on my card. They then told me to transfer all the money from my credit card account to my checking and to wire it to this new account under XXXX XXXX. I did it because every time I tried to check by calling the number it went straight to wellsfargo and they made it sound like they were exactly my bank. After the second wire of money I just still had a bad feeling about it, they then asked me what was left in my checking, we also got disconnected and they called me back on XXXX and I thought that was weird because they should be able to see it? then I got a pop up on the app saying that banks do not ask you to wire money ever. I did not know this and so I hung up and it turned out to be scammers. My bank is working on getting this money back but I feel literally sick that they may force me to pay off my credit card now because they just updated that account to what I owe from this scamming. I feel that since they were obviously hacked into my bank account and using wells fargo phone numbers to contact me that I should not be responsible for this. I can't even afford to pay off that much debt right now. I need whatever help I can get please. The bank is refusing to comp any of these charges.

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 2024-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
Non of the options are really applying to this case. I received today an email starting with. 

Hello, XXXX XXXX and XXXX. Great News, your mortgage is transferring to Mr. Cooper soon ... .... 

This is not the issue ( even though i don't know either person ). 

The issue is it gives you the last for digits of the old Loan Number AND it gives the full number of the new loan number and they are connected to XXXX XXXX and XXXX. 

This does not seem to be a one off. Calling Mr. Cooper, powered by XXXX gave me the impression I was not the first one to acll. 

Now i am wondering who has my new Loan ID which can cause Fraud if the wrong person received the email with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPay, using foreign agents, keep requesting my past info to verify & give access to my account. I keep giving accurate info but they say it isn't correct. Refuse to let me speak to any US reps to resolve my online access issue. I don't know if my account is closed, hacked or still operating. Requested physical mail statement to my residence but they hang up on me due me stating I will report them to authorities for not helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-06-24 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-06-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: RI

Complaint narrative:
I was sent a letter by the debt collection agency on XX/XX/2024 as an attempt to collect the debt sent to the wrong name ( it is not my legal name ) for damages related to a rental vehicle to an amount of XXXX dollars. When I sent them an email asking for debt verification via email they provided on XX/XX/2024, they responded back to me with information related to the damages that the rental vehicle had after it was stolen right after I returned the vehicle. I sent them detailed proof on why I do not owe this debt on XX/XX/2024. Although I added a message that they can only contact me if they had proof that this was my debt otherwise to the original dispute, on XX/XX/2024, they sent me a mail with an offer to settle for 80 % of the debt owe. I am submitting this complaint because they are violating the no contact rule without proving me wrong in writing that this debt is somehow mine. I also tried to reach out to the original rental company regarding the internal communications error related to identifying me as the driver even though my rental agreement for the car terminated after my trip and it has been a radio silence from them thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. XXXX - XXXX XX/XX/2021 Please correct/update this inaccurate information on my credit report. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-06-24 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: NV

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-06-24 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: AL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-06-24 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: AZ

Complaint narrative:
I've already written to the company several times about the accounts that appear on my credit report. I asked them to look into it, but nothing was sent to me. The account reported is still on my file for months now and it has a negative impact on my credit ratings. Please help me contact the companies to investigate the disputed accounts and show me any proof it is reporting accurately.

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 2024-06-24 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.

Complaint narrative:
I have previously disputed with XXXX, XXXX and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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:
I Submitted A Request Pertaining  To 15 US CODE 1681 1681a4 1681 c-2 1681eb To Show And Prove All Negative Reporting On My Credit Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: Possible Financial Inc
State: TX

Complaint narrative:
The interest that they charge is illegal in the state of Texas. I want them to remove every single one of my loans from my credit and forgive the most recent loan unless they want to refund me all of overcharge interest plus penalties

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: IL

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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 2024-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I went to review my credit profile there was some inquiries that were 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 non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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
Consumer complaint received 2024-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
After filing a complaint through you all I was sent an email on XXXX the XXXX indicating that Chime was aware of the problem and were working to resolve it. They informed me that within 7 to 10 business days I will receive my closure check.

Well when the 10 days passed I didn't receive anything so I called them. When I called them I went through the identifying process and I discovered that nothing had changed. They hadn't sent my check. And they were still saying I can't reinstate my account. But I have never requested to have my account reinstated I've been emailing and calling since XXXX of XXXX. 
They sent me another email days later stating that they sent my money TO UNCLAIMED ASSETS! How is this possible when I have been calling in for years about this money. What can I do? Surely there is something I can do. They basically held my money treated me like a derelict for going through the steps to get my money only to send it to unclaimed assets. As of today Monday, XX/XX/XXXX the issue has not been resolved. They claim to have sent my money to UNCLAIMED ASSETS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: FL

Complaint narrative:
I have identified unauthorized inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Currently I have an account type with Wells Fargo that gives me interest on my checking account. They are discontinuing that account type, and I do not qualify for a new checking account that is also interest bearing. This change hurts me as a consumer ( admittedly not much, but the interest on my checking is something that they are taking away ).

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 2024-06-24 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: TN

Complaint narrative:
I Submitted A Request Pertaining  To 15 US CODE 1681 1681a4 1681 c-2 1681eb To Show And Prove All Negative Reporting On My Credit Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: FL

Complaint narrative:
Re : Dispute of Inaccurate Information on Credit Report XXXX  XXXX XXXX Account Dear Sir/Madam , I am writing to formally dispute inaccurate information reported by XXXX XXXX XXXX on my credit report. Despite multiple previous disputes regarding this account, the inaccuracies remain uncorrected, demonstrating potential willful noncompliance under 15 USC 1681n.

Details of the Disputed Account : Account Name : XXXX  XXXX XXXX Discrepancies and Errors : Incorrect Reporting of Account Status : The account shows it was charged off, but there are inconsistencies in the payment history and charge-off dates that suggest inaccurate reporting. This violates the FCRA, specifically 15 USC 1681e ( b ), which requires that consumer reporting agencies maintain the maximum possible accuracy of information.

Balance and Past Due Amounts : The balance and past due amounts are both listed as {$1000.00}. This may include erroneous fees or charges that were not properly documented or validated. This is a violation of the FCRA, under 15 USC 1681s-2 ( a ) ( 1 ) ( A ), which mandates that furnishers of information must provide accurate information.

Repeated Disputes Ignored : Despite previous disputes, the errors have not been corrected, indicating potential willful noncompliance by the credit reporting agencies and XXXX  XXXX XXXX. Under 15 USC 1681i ( a ), credit reporting agencies must reinvestigate disputes and delete any inaccurate information if they fail to validate properly. Repeated failure to correct errors can be considered willful noncompliance under 15 USC 1681n, making them liable for damages.

Account Closure Details : The comment states the account was closed at the credit grantors request. If this is incorrect, it needs to be rectified immediately. Providing inaccurate information about account status violates 15 USC 1681s-2 ( a ) ( 1 ) ( B ).

Payment History Inconsistencies : The payment history reflects numerous charge-offs and past-due statuses without clear updates, suggesting potential errors in the reporting timeline. This inconsistency violates the FCRA 's accuracy requirements as outlined in 15 USC 1681e ( b ).

Failure to Receive 1099-C Form : I did not receive a 1099-C form for the charged-off debt, which is required by the IRS when a debt of {$600.00} or more is canceled. Failure to provide this form is a violation of IRS regulations and affects the accuracy of my credit report. This also violates the FCRAs requirement for accurate and complete information as per 15 USC 1681e ( b ) and 15 USC 1681s-2 ( a ).

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 2024-06-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
This complaint is related to my previous complaints against Synchrony bank that issued credit card for Sam 's club. I specifically requested that card to be cancelled because I will not use it again. But today I received a new statement with another fraudulent charge made by westofjewelry.com in the mount of {$98.00} which I have nothing to do.

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