vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TapTap Send Inc.
State: TN

Complaint narrative:
On XX/XX/2023 I used their services ( Tap Tap Send ) to send {$680.00} to my family in XXXX for medical emergency. They were supposed to receive the money within minutes, but until the time that I am making this complaint my family have not received the money and somebody's live is at risk. I contacted the company everyday since the day of the transfer and nothing has been done to solve the issue. I even explained to them that it was for medical expenses, they promised to escalate and resolve it ASAP on Sunday but nothing has been done. Everytime I call the give me the same answer with no time line on when to expect it to be resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30 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: Source Receivables Management LLC
State: FL

Complaint narrative:
this company source receivables management unlawfully listed an account on my credit report stating it belongs to me with no proof. They reported it as a COLLECTION!! They have failed multiple times to provide me with and validation when I have requested it by phone and email and they need to remove this account immediately as this Is stopping me from being able to expand my business. Please help them to respond and remove this account as soon as possible thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I recently received a report informing me that my SSN, DOB, and driver 's license number was found on the XXXX XXXX XXXX in XX/XX/XXXX due to a XXXX XXXX in XX/XX/XXXX. I pulled my XXXX credit report and see that on XX/XX/XXXX a soft and hard inquiry was made by Greensky Installment, which I did not make. I've contacted XXXX to explain the breach and to report the non-authorized inquiry. They have set up a Fraud Alert on my account and will start the process of removing the fraudulent inquiry, XXXX has advised me to contact you, the Federal Trade Commission to report the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This involves both my checking and credit accounts. I have overdraft protection that if my account is ever in the negative/overdraft, a cash advance from my credit card will be sent to my checking account to cover the negative balance. I had an overdraft of {$58.00}. I then proceeded to transfer {$100.00} from another institution to cover any other transactions that may come through. After 9 days, Wells Fargo decided to reverse the overdraft amount and debited my account by the overdraft amount of {$58.00}. The money was debited from my account, but did not show as a credit on my Wells Fargo credit card. I contacted their customer support and they told me to wait two business days for the credit to show up. After two business days, the amount had not been credited and I called back and was informed it could up to 10 business days. So, after 12 business days, the amount was still not credited to my Wells Fargo credit card. Multiple calls have been made and I'm currently waiting on an " Escalations Representative to review my issue and call me back. It has been nearly two weeks since this occurred with no resolution in site.

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have requested that the credit reporting agency correct my address and I was told I need to contact the credit company. I have contacted them and they have done that, but I believe it's the responsibility of the credit reporting agency to have correct up to date personal information on my credit profile and remove things that don't belong to me. So far they have failed to do so.

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I am a victim of identity theft ; this account has been open up fraudulent I need this account removed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: TX

Complaint narrative:
COMPANY XXXX XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM XXXX XXXX XXXX AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

XXXX XXXX IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : XXXX XXXX OF XXXX GUARANTEES PROTECTION OF MY PERSONAL INFORMATION -CODE OF FEDERAL REGULATION TITLE 16 CHAPTER XXXX SUBCHAPTER C PART XXXX XXXX ME THE RIGHT TO OPT OUT. 
-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILATE AND NON AFFILIATES OF 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 2023-08-30 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-08-30 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: VA

Complaint narrative:
XXXX XXXX accepted my 1099 C and sent me copy B for my student loan tender of payment and then they tried to accuse me of falsifying information when my tax document clearly says its from XXXX XXXX in the upper left hand corner. I want this wiped off my credit report 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
Consumer complaint received 2023-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Im getting outrageously charged for a XXXXXXXX XXXX  Im paying as much as possible and Im still getting harassed everyday with calls even after I pay my balance is not moving with the payment arrangement and they are not willing to help so basically putting me deeper in debt with high and unfair interest r rates. Im ready to file bankruptcy! Its sad that these people prey on the less fortunate through trying times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nelnet, Inc.
State: GA

Complaint narrative:
XXXX  I was given the attached response from Nelnet , Inc. that stated my student loan account was not discharged and that the digital 1099-C form I submitted to them was fraudulent. However, in the afternoon of XX/XX/, I received an official Copy B of the 1099-C form from Nelnet, Inc. 's business address stating that my student loan account had been officially discharged. Please see the attachments of the envelope and 1099-C form that was sent from Nelnet , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-30 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: CBC Companies, Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX ( XXXX ) has violated my rights. 
15 U.S.C 1681 Section 602A Section 2 States I have a right to privacy 15 U.S.C 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C Code 1681s-2 States 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. 
( B ) States A person shall NOT furnish information relating to consumer to any consumer reporting agency if- ( i ) The person has been notified by the consumer at the address specified by the person for such notices that specific information is inaccurate and ( ii ) The information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX Date of Inquiry XX/XX/2023 XXXX XXXX  Date of Inquiry XX/XX/2023 XXXX XXXX XXXX Date of Inquiry XX/XX/2023 XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023 XXXX Date of Inquiry XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Sir or Madam : PLEASE HAVE THE FOLLOWING ( 2 ) ACCOUNTS DELETED WITH THE INQUIRIES LISTED BELOW. I NOTICED THAT ( XXXX XXXX XXXX WAS REPORTED TO MY CREDIT AND THESE ARE HER ACCOUNTS ALSO. THE XXXX XXXX  WAS DELETE ASAP. PLEASE DELETE THE OTHER 2. 

XXXXXXXX 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  I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. 


Sincerely, [ XXXX XXXX ] Enclosures : [ List what you are enclosing ] Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ]

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 2023-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: TrueAccord Corp.
State: SC

Complaint narrative:
This company has a collection that is not mine that is reporting on my credit report. These are the account numbers XXXX XXXX and XXXX XXXX However, it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX  This is a violation of the Fair Debt Collection Practices 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 2023-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I bought a Home with my daughter in Maryland and had 3 different quotes from three diffeerent brokers. I chose WFbank as they offered me a rate reduction of 0.125 % for every XXXX XXXX  that i transferred into their portfolio scheme and if I transferred in More than {>= $1,000,000} I could get a rate reduction of 5/8 % based on that offer I applied with WF for my loan and after going through multiple submission of documents I was approved for the loan. I transferred {>= $1,000,000} in My new WF portfolio in XXXX XXXX during the process of approval it appeared that the loan might not go through in time and I transferred {$750000.00} to my Escrow account in case I needed to close the purchase in cash. 
after lot of document submissions and explanation the loan was approved and I transferred another {>= $1,000,000} in the brokerage account to qualify to get the rate reduction. I was provided closing document on XXXX or XXXX of XXXX without rate reduction, I discussed this with WF agent and was told that the rate adjustment would be made on final documents which will be provided on XX/XX/XXXX. 
On XX/XX/XXXX I was informed by XXXX XXXX XXXX, WF mortgage Agent I was working with informed me that his supervisor who was new was denying the rate reduction as it applied to Jumbo Loans only.and my choice was either to close the purchase using the loan or close it with all cash. During the whole one and half month process with all the documents, money transfers and documents no one at WF as much as even raised a possibility that I might not get a rate reduction. on the contrary I was repeatedly assured that I would definitely qualify for the rate reduction.

I have requested WF to preserve all recordings of my conversations with all parties that I spoke with about this loan and their offer of rate reduction based on opening brokerage account and transfer of money and provide me with a transcript of the same. I believe that I was a victim of false advertising or a false promise, unfair business practice and a bait and switch by WF mortgage. 
I spent XXXX extra to get an extension to close the purchase to the seller, plus spent {$1000.00} for travel to sign the closing documents as I had to make another trip due to delay in closing. 
I spoke with XXXX XXXX today and he confirmed that till Monday XX/XX/XXXX he was under the impression that I did qualify for rate reduction and that is what he was passing on to me in our numerous conversations. 
I would like the CFPB to look into this and resolve the issue ASAP or atleast hold WF accountable for its business practices. 
My loan no with WF is XXXX I HAVE ALREADY DISCUSSED THIS WITH XXXX XXXX AT WF EXECUTIVE OFFICE

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 2023-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: AZ

Complaint narrative:
I was notified by XXXX that I was in collections with Sunrise Credit Services. I contacted the the company and was informed that my ex married name and SS # was used at XXXX XXXX XXXX in the amount of {$1500.00}. I did not give anyone authorization to use my name or SS # and I have no idea who made this purchase. Sunrise Credit is currently investigating this incident.

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 2023-08-30 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX ( XXXX ) has violated my rights. 
15 U.S.C 1681 Section 602A Section 2 States I have a right to privacy 15 U.S.C 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C Code 1681s-2 States 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. 
( B ) States A person shall NOT furnish information relating to consumer to any consumer reporting agency if- ( i ) The person has been notified by the consumer at the address specified by the person for such notices that specific information is inaccurate and ( ii ) The information is, in fact, 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 2023-08-30 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: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
I was a victim of identity theft. This information was given to me by XXXX Credit Bureau. I submitted several disputes to XXXX, XXXX, & XXXX, along with a police report. 

The date, I discovered this was back in XXXX after lots of research. I began sending disputes to all three Credit Bureaus asking if each would remove erroneous information being reported. 

Currently, some of the accounts were removed however not all.

Company response to consumer: Closed with explanation