vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX, my husband and I received a call from Wells Fargo and were told our accounts had been hacked. In order to prevent the money from being stolen, I was told to wire the {$9100.00} in the account to myself. My full name and information were on the wire account. This Wells Fargo person had all of our personal information ; social security numbers, passwords, home address, and had already moved money between accounts to consolidate the amount stolen. Once we realized what happened i contacted WF immediately to prevent this theft. I was put on hold and told they would file a case. Today, XX/XX/XXXX, I was told our case was denied and WF would not recover our stolen money. My account was not even set up for wire transfers, and the money went to someone XXXX dont know in a state I dont go to or know anyone. This transaction should have been flagged immediately. I can not even take more than a couple XXXX dollars from an ATM, why would they allow {$9100.00} to be instantly wired and not contact me? Wells Fargo did nothing to protect me or my money, then denied my claim and said it was my fault. As a large banking institution it was their responsibility to refund my stolen {$9100.00} and go after the thief. They have insurance to handle these fraudulent transactions but just declined my claim rather than assist a victim of theft/fraud. I was kicked when I was down by a company that should have protected me, or in the least make some effort to try.

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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Alot of things that is reported on my credit report should have been removed but is still being reported. It has been pass the FCRA Statue of Limitations ( 7yrs ), however still reporting on my credit. They are falsely reporting accounts that have been paid off and my credit score is Inaccurate. There are still Student Loans that were from XXXX still reporting on my account falsely. This is a violation of the Fair Credit Reporting Act. I have disputed many of these items and they are still reporting on my credit falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Apple card denied my loan application despite having an exceptional payment history and XXXX credit having a Marcus savings account and not missing a payment in 3 years. 

The loan was denied on false pretenses : My credit utilization is 43 % I have two credit cards and two personal loans with a credit union, and my student loans have five accounts in total.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reached out to the company and informed them that this an unauthorized transaction I didn't give permission to run my credit, I ask them to validate these inquiry. 

In accordance of the Fair Credit Reporting Act XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) 15 U.S.C. 1681 section 602A. 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.

In accordance of the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX { XXXX ) 15 U.S.C. 1681 section 602A. 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.

In accordance of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( XXXX ) 15 U.S.C. 1681 section 602A. 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.

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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I reached out to the company and informed them that this an unauthorized transaction I didn't give permission to run my credit, I ask them to validate these inquiry. 

In accordance of the Fair Credit Reporting Act XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) 15 U.S.C. 1681 section 602A. 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. 

In accordance of the Fair Credit Reporting Act XXXX  XXXX XXXX XXXXXXXX { XXXX ) 15 U.S.C. 1681 section 602A. 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.

In accordance of the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602A. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite the multiple previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, CHILD SUPPORT XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

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 2023-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I was overseas for a good number of years in the republic of XXXX XXXX for work. 

During that time someone used my social security number to open multiple trade and credit accounts in my name, including XXXX XXXX XXXX/LVNC Funding LLC/Resurgent Capital Services . 

The last time I was out of the country for 3 years and 8 months. During that time the aforementioned company executed a summary judgement against me in XXXX XXXX XXXX XXXX and were illegally granted the sum of {$900.00} plus dollars. 

The company was informed that this debt is not mine, the lawyers that represented this company will not return phone calls, they have a judgement entry in XXXX XXXX and used a spreadsheet with hundreds of other individuals name on it to state it was my debt. 

When I contact XXXX XXXXXXXX XXXX they said they would research it and get back to me, this did not happen after 120 days. 

I tried to contact the debt collection company- they are acting in bad faith and none of them have said how they intend on reversing the illegal judgement that they were granted by the court. 

I am attaching proof of my identity theft including from identity theft.gov, the XXXX Ohio police department and whatever other proof I can deliver. 

This company has knowingly acted with ill regard for the law and has harmed me. They are in violation of the laws in the state of Ohio. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX it is egregious that a company would be allowed to continue in operation and should be fined by the United States of America and the states respectively that they operate in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My account was hacked and {$500.00} was transferred via XXXX, fortunately to a friend of mine and for the last month we have been attempting to refund the money to me. Both me and the receiving party agree it was not authorized and should be returned but Wells Fargo keeps saying " we are investigating ''. What is to investigate when BOTH the sending and receiving party are disputing it. Wells Fargo keeps giving me the run around and will not allow the return of my money and has closed online access to my friends account and forced me to open a completely new account. This has gone on since I reported it on XX/XX/2023 2023

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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Remove my negative items

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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You are in direct violation of the fair credit reporting act XXXX XXXX XXXX ) XXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the documents attached. 

This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My consumer rights are being violated by TransUnion, with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance .I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I )  and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. 


I have uploaded my letter. To show proof, that I have mailed this letter to TransUnion. 
My rights have been violated by Transunion in there ability to report inaccurate information on my credit file. I have asked to please, show me how and where is this information is coming from that it can be reported 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 2023-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Action Professionals, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX has filed a collections claim for debt that is not due to them. XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX has repeatedly submitted a claim to my insurance company, XXXX XXXX XXXX, who paid the " maximum allowed '' for service on XX/XX/22 and then denied future claims to recover the unapproved amount. XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX sent us invoices several times trying to get us to pay the remaining balance, which is not allowable under my insurance plan. I called XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX several times and they informed me that no action was needed on my part and that they would submit it to the insurance again. 

In every claim and explanation of benefits from my insurance provider, the patient amount due in all cases is {$0.00}, providing evidence that the amount that is trying to be recovered from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX is an unallowable expense. I have documentation of all of this to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
I decided to switch fromXXXX to another carrier. In order to do that and keep my same phones, it was required to pay off remaining balance which were the cost of the phones and monthly phone bill. Two payments were provide to complete this before they would unlock the phones to allow the new carrier to activate them. The first payment was for {$440.00} paid on XX/XX/2022 at XXXX XXXX. The phones still wouldn't activate which lead me to call back to be told there was still a balance that needed to be paid and the second payment was {$180.00} on XX/XX/2022 paid at XXXX XXXX. I talked to three people who advised that all balances were now paid and the account was successful closed and phones will now be able to be unlocked for the new carrier. All of a sudden I receive a XXXX point decrease across all three credit reporting for collections from XXXX XXXX  to collect {$460.00} for the cost of the phones! Ultimately they deleted and the law office closed the account after proof was sent and now sent to another company, Credence Resource Management for the same amount. I have spoken with XXXX XXXX again who stated they opened investigation because they can only find the {$180.00} payment and will call me in 5 days and that was over 30 days ago. I called the collection company and they keep saying pay. I was in the middle of buying a house and this stopped me causing devastation to my family! I want this DELETED for all three reports NOW!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts.

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX Account number : XXXX XXXXXXXX XXXX  Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXXXXXX XXXX Account number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account number : XXXX XXXX FCU Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account number XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The name on my consumer report XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Georgia and any other spelling of my name is incorrect except : XXXX XXXX XXXX The addresses on my consumer report XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX any other address is incorrect except XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The employers XXXX XXXX, XXXX By XXXX and XXXX on my consumer report are incorrect

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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The name on my consumer report XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Georgia and any other spelling of my name is incorrect except : XXXX XXXX XXXX The addresses on my consumer report XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX any other address is incorrect except XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The employers XXXX XXXX, XXXX By XXXX and XXXX on my consumer report are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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. 


Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX Account XXXX has violated my rights. Or 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 explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XX/XX/25

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