vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2022 and XX/XX/2022 there was 2 unauthorized transaction on my Wells Fargo bank account in the total amount of {$22000.00}. I noticed this and called Wells Fargo to file a claim. I waited 2 weeks and was called by a agent saying my claimed was denied. She called and asked me questions about transactions from 1 year ago and I tried my best to remember but I dont. She then accused me of being a liar for not remembering. This was all on a recorded line as well. She asked me questions about transactions that had nothing to do with the claim or fraudulent transaction that I was calling in about. Now I lost all my money in my Wells Fargo account and they told me to contact the merchant. How do I contact the merchant if they dont even have a real company name and its just a bunch of numbers? I never made this transaction, why is it my job to contact the merchant. Im frustrated and confused right now. I thought my money was safe with Wells Fargo but instead they tried to manipulate the situation by asking me unrelated questions and making it seem like Im a liar when the questions are from 1 year ago.

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 2022-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Greetings, I received a letter stating, the accounts below were verified in which disputes still arise to exist for the following : XXXX. XXXX XXXX XXXX # XXXX I did not authorize for the original creditor to release any private medical information to any third party. Please be advise ; this goes against HIPAA under a violation as Im allowed to dispute when it involves PHI ( Protected Health Information ). This needs to be removed from my report immediately. XXXX. XXXX XXXX XXXX # XXXX This also goes against the violation of HIPAA in which I have every right to dispute the PHI obtained by all unauthorized third parties. Without privacy forms filled out nor granted ; the original creditor was not given permission to release PHI ( Protected Health Information ). This needs to be removed from my 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 2022-06-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I applied for a loan from PayPal XXXX of this year, 2022, and was denied ( violations of XXXX XXXX XXXX and 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 2022-06-16 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: MS

Complaint narrative:
I have tried contacting XXXX on both accounts and tried to fix this with Transunion. 

1 Account was a credit card that was never paid late but did not show as a credit card and the other was an in-store credit account that was taken out monthly by them and was never paid late. 

I went around and around with transunion to update this and nothing has been fixed and even got the run around with XXXX and they said they would fix it and never did My attorney told me to file a complaint with CFPB and make sure that Transunion received the PDF so that we can get this filed at the local court asap to get it fixed. 

I have included a PDF for both accounts.

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 2022-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I did not know that my friends account has been hacked. I thought that was her and she referred me for investment to another person on instagram. In short these XXXX worked in collaboration for scamming. I sent XXXX transactions XXXX for initial investment, XXXX taxes, XXXX membership, XXXX ( XXXX for bitcoin mining investment and XXXX for her commission. ) This transactions happen XXXX XXXX and XXXX XXXX XXXX each day. XXXX XXXX when our common friend told me that her account was hacked. I did not know. I contacted chase every week eversince that incident. I reported them to Federal Trade Commission, FBI and even to my local police department wherein they made me a police report. As of today when i called chase, they closed my claim already for that XXXX saying that that is XXXX and i authorize the transaction and there is nothing they can do about it. They even do not want to tell me where the money goes to. They said in order to protect other party security they can not divulge that information. My local police department detective is checking with the chase department security. 
All the weeks i kept on following up with chase bank and it is a waste. I am so frustrated that they can not do anything about the XXXX usd money i have been scammed with. I am in emotional stress and distress. I have been scammed XXXX. My employer did not pay me too in NJ where i worked XXXX hours. Financial crisis is here. i do hope there is something you can help and do to recover my funds. God bless you always.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have had several XXXXapital One credit cards, and have paid them off. I have submitted several applications and every one of them come back stating that they will not open an account for me since my previous credit card was closed with a bad history. My Capital one credit card had never been late before I got in a car accident and had to file for bankruptcy due to all of the medical bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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:
I am a victim of identity theft. I have disputed these credit card accounts XXXX XXXX XXXX XXXX for {$2900.00}, XXXX XXXX XXXX XXXX for {$5600.00}, XXXX XXXX XXXX for {$1500.00}, and XXXX XXXX for {$310.00}. I filed an identity theft report. These accounts still have not been removed from my report. I have never had an account with these companies and would like for this to be removed 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 2022-06-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I have disputed these credit card accounts XXXX XXXX XXXX XXXX for {$2900.00}, XXXX XXXX XXXX XXXX for {$5600.00}, XXXX  XXXX XXXX for {$1500.00}, and XXXX XXXX for {$310.00}. I filed an identity theft report. These accounts still have not been removed from my report. I have never had an account with these companies and would like for this to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The department of education is making the accusation that I owe a balance and it is being reported on my credit reports that I owe {$1.00} for a XXXX XXXX from XXXX University, and it was closed XX/XX/2017. However, upon speaking with XXXX University 's billing department and Financial Aid Department, they have both informed that I do not have a balance with them. However, the Department of Education is saying it has been transferred to Debt Collection Service of the Department of Education. All of this information is incorrect, and I do not owe a balance and they're continuing to report negative information on my report, and I am unable to obtain funding for school due to these inaccurate allegations. 

Additionally, XXXX XXXX was contacted and provided proof that there is a {$0.00} balance.

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 2022-06-16 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have tried to fix this with both XXXX XXXX  and Experian. Neither one can show where this account was ever late and even sending in my credit card statements XXXX XXXX refuses to send anything to me. 

My attorney told me to make a dispute here with CFBP and get this PDF to Experian and file separately on both companies which I am doing so that we can get both into court here in MS

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 2022-06-16 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:
In accordance with the Fair Credit Reporting act XXXX accounts numbers : * XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX *XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-06-16 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  accounts numbers : * XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX *XXXX  XXXX  XXXX XXXX HAS VIOLATED MY RIGHTS. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the fair credit report. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681-section 602 States I have a right to privacy USC 1681c section 604 section 2- also states a consumer reporting agency can not furnish an account without my written instructions. USC code 1681 no consumer report containing any adverse items of information other than records of convictions. 
XXXX XXXX acct XXXX XXXX of 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 2022-06-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days.

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 2022-06-16 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: MD

Complaint narrative:
i remember going to the dealership for a car purchase.i was asked for my SSN which i obliged only to be having to deal with all this inquiries.

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 2022-06-16 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: MD

Complaint narrative:
i remember going to the dealership for a car purchase.i was asked for my SSN which i obliged only to be having to deal with all this inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
As a result of the COVID-19 National Pandemic, I couldn't continue paying my mortgage, so I decided to apply for a forbearance plan with my mortgage company, Mr. Cooper. After exhausting the maximum time allowed, I worked with Mr. Cooper to address the situation and obtain a reasonable workout that would enable me to bring my mortgage current and make my mortgage payments more affordable according to my current financial situation. Finally, a few months ago, Mr. Cooper approved me for a set of three trial payments of {$2700.00}. I fulfilled my three approved trial payments. Unfortunately, since then, the servicer has been delaying the final modification documents that allow me to complete the process and begin with my regular payments. 
There had been weeks and weeks waiting for the final paperwork ; in the meantime, I continued making additional trial payments. 
Whenever I call my lender, Mr. Cooper 's representatives don't understand the real reason for this unnecessary delay ; they stated that they don't know why my case is breaking their own servicer rules, but the truth is that until today there is not a resolution. At this point, I am terrified of losing my home in a foreclosure sale due to the current past due balance due to my forbearance, which I can not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX credit bureau refuses to acknowledge the FAIR REPORTING CREDIT ACT which is a law they refuse to investigate correctly, they are allowing XXXX XXXX to report information on my credit report that is well over 10years old, FAIR REPORTING ACT says you can not attach report information on a consumer credit report that is over 7 years old, despite the fact that I have sent them documentation that proves this, they are allowing this collection company to FRAUDULENTLY report this as if it is a new debt when actually it is way past the statue of LIMITATIONS, this is causing a negative effect on my credit score and ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: MS

Complaint narrative:
I have tried to fix this with both parties and have yet to get a response other than it was verified. My attorney told me to make a CFPB complaint and upload this PDF so he can get this into our state courts to get fixed.

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 2022-06-16 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: NJ

Complaint narrative:
This Credit reporting agency are reporting inaccurate accounts on my file even though they have actual knowledge of the errors on these accounts they are now deliberately violating my consumer rights. 

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

15 U.S.C 1681 section 604 A Section 2 : also States a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1692C also this law clearly states that without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This Credit reporting agency are reporting inaccurate accounts on my file even though they have actual knowledge of the errors on these accounts they are now deliberately violating my consumer rights. 

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

15 U.S.C 1681 section 604 A Section 2 : also States a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1692C also this law clearly states that without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer,

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 2022-06-16 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: NV

Complaint narrative:
Accounts Commonwealth of Va- closed account ( XXXX ) XXXX XXXX- closed account ( XXXX ) XXXX XXXX XXXX- ( XXXX ) XXXX XXXX XXXX- ( XXXX ) XXXX XXXX- 4 inquiries 15 USC 1681 section 602 A , states I have a right to privacy 15 USC 1681 section 604 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 2022-06-16 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Accounts Commonwealth of Va- closed account ( XXXX ) XXXX XXXX- closed account ( XXXX ) XXXX XXXX XXXX- ( XXXX ) XXXX XXXX XXXX- ( XXXX ) XXXX XXXX- 4 inquiries 15 USC 1681 section 602 A , states I have a right to privacy 15 USC 1681 section 604 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