vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: IL

Complaint narrative:
Vance and Huffman Llc continually reports this is my debt. Balance credit {$1600.00} acct # XXXX tried to handle this formally but you are not willing to to help me. Ive filed a report with the federal trade commission, XXXX  and police report all will be attached. Please stop reporting to to my credit report or I will be forced to take legal acting after this. This is not my debt Im sorry and I hope you find the right person. But this has to stop delete and do not contact me or report this under my name any more. Take it up with XXXX police department. The documents you provided is not even my signature. You are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Trans Union is reporting inaccurate information on my personal credit report. I have a letter from the Creditor stating that information was reported inaccurately.

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 2023-11-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I received a letter from Wells Fargo, dated XX/XX/XXXX, explaining that the bank enrolled me in Identity Theft Protection - XXXX product between XX/XX/XXXX and XX/XX/XXXX. I did not request this product. 

I called Wells Fargo on XX/XX/XXXX, seeking further explanation. I left my name and phone number, as prompted, by the bank 's automated answering system. As of XX/XX/XXXX, I had not received a call from the bank. 

On XX/XX/XXXX, I again called the bank seeking an explanation ; instead of leaving my name and contact info, I held until an employee answered. The employee read a script after I explained why I called. I asked the employee a question about why and how I was enrolled in the product and she transferred me to a department that supposedly could answer my question. While on hold ( again ), the bank disconnected the call. 

I submitted this complaint because Wells Fargo involuntarily enrolled me in the product and made it difficult for me to obtain an explanation. I suspect that this has happened to many other current and former Wells Fargo account holders and that a banking regulator is better placed to deal with this huge entity rather than relying on each current and former account holder that was impacted to seek a resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: WA

Complaint narrative:
XXXX XXXX - XXXXThis is not accurate.please remove this inaccuracy from my report XXXX  - XXXXThis doesn't belong to me. please remove it from my credit report XXXX - XXXXThis doesn't belong to me.please remove it from my credit report 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

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 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
To keep my account open, reduce interest race, minimum balance reduce

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XXXX XXXX I thought I called XXXX XXXX to ask why they changed our seats, my husband and me, to fly home. First I stayed to long waiting on line so I tried later by calling a number I found on my cell phone. When I told my questions that non XXXX XXXX which I did not know then ) they pretended that it was because I had not paid taxes and/or fees on our tickets and they could not promise to keep our seats. I. argued a lot but wanting to be sure to fly back home I paid the {$200.00} they wanted, thinking I would fix that problem with the airline when home. But that fraudulent company send me sighing to sign in a text, so naively I did. When I called XXXX XXXX back at home, they told me that I never had to pay them anything and it was not their number. So I called CITI to close my card and explain the reason. The CITI agent did not write it the way I told her, just that I did not authorized the charge. After waiting for an answer many weeks, I was told thay I would be contactetoexplain my case, they did not do it.I called again, asking for the frauddepartment, and amantook my story again. Still they charged me the {$200.00} and saying it was because I changed my story. I did not, ghe first agent just reported it wrong. It is very easy to verify if Citi was doing their job.The fraudulent company sent a email saying that they did the changes I wanted, but their names as a car rental in XXXX XXXX, where I never went and rented a car. I asked CITI t show to them a rental agreement, or what the to verifyt he fees sent to XXXX XXXX, or why the phone number on that email is not theirs, or why they also memtion XXXX registration as a false heading. The fraudulent company triedtw

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have one name and one address the company continues to report incorrect addresses after providing proof of my current address. I want all other addresses and names removed

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have one name and one address the company continues to report incorrect addresses after providing proof of my current address. I want all other addresses and names removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX # XXXX ( late payment ) XXXX XXXX XXXX XXXX # XXXX ( late payment ) -XXXX XXXX XXXX XXXX : TransUnion XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Take a look at the attached documents. I request the bureau to launch an investigation into the accounts that are erroneously reporting late payments on my behalf.

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 2023-11-29 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
I didnt authorize these companies to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: DriveTime
State: FL

Complaint narrative:
I didnt authorize these companies to run my credit

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 2023-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Valentine and Kebartas, Inc.
State: CA

Complaint narrative:
I received an email from Valentine & Kerbartas, LLC, on XX/XX/2023, for someone else. This email included the person 's name, address, amount owed, creditor name, and account number. 

I am not the individual named in the email and I am concerned that they are sending me so much information relating to this person which is in violation of the debt collection related laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: MO

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2023 I send an online international wire transfer of {$5000.00} usd. The next day, XX/XX/XXXX, the recipients bank informed me that the money has arrived but can not be released to the recipient because the account number is incorrect ( 1 digit was incorrect ). I then called Wells Fargo to open a case and have the account number amended to the correct one. I was informed that the time frame for international wire transfer resolution is 5 business days. Due to holidays and weekends, XX/XX/XXXX should be the fifth business day. It is XX/XX/XXXX today and I have yet to have my case resolved or have anyone from their wire department reach out 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 2023-11-29 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: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has violated my rights. 

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 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

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 2023-11-29 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: TX

Complaint narrative:
This collection account has an OPEN status and that is a violation, because a collection is by default a closed account. Delete this account due to inaccurate reporting. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Review the enclosed documents. I request the bureau to initiate an investigation into the accounts incorrectly reporting me as late, despite my consistent on-time payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: IL

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: FL

Complaint narrative:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: KS

Complaint narrative:
You are In Direct Violation of The Falr Credit Roporting Act ( Account Name & Number #, has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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. 
15 U.S.C 16668 : A croditor may not treat a payment on a credit card account under an open-end consumer credit pian as late for any purpose. 
Remove these late payment and update this account, update this payment to current or on time Immediately as you are In Direct violation of several laws under The Falr 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 non-monetary relief
Consumer complaint received 2023-11-29 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: KS

Complaint narrative:
You are In Direct Violation of The Falr Credit Roporting Act ( Account Name & Number #, has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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. 
15 U.S.C 16668 : A croditor may not treat a payment on a credit card account under an open-end consumer credit pian as late for any purpose. 
Remove these late payment and update this account, update this payment to current or on time Immediately as you are In Direct violation of several laws under The Falr 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 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
This problem began when my original account was closed without notification when a Co-Owner ( my XXXX son ) obtained his own separate account. Ive attempted to reapply and obtain a new card at least six ( 6 ) times and been promised by at least three managers during a dozen separate support calls that I would be contacted back after they submitted an escalation. Ive never once received a callback addressing any of this. 

The system answer in every denial has been that my Identification can not be verified, which is total nonsense. The multiple photos of my Utah drivers license that have been submitted were clear and there is no way that all the different photos that Ive submitted were bad. It also ignores that I AM ALREADY A CUSTOMER, have had credit with you before, and HAVE AN ACTUAL BALANCE IN A LINKED SAVINGS ACCOUNT. 

There is obviously some glitch or other failure in your system or you are lying about the reason for denial. No person at Goldman Sachs Bank has been willing to take ownership of this problem, which I find to be indicative of a supervisory and management failure within the bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have a bunch of student loans that are apparently thru Nelnet, which I have never even applied for thru on my credit. Looking at a current copy of my credit report thru XXXX, it has no method as far as the dates and order that they are listed on my report. I find it odd that they jump around? As I did have student loans, I have always chosen income based repayment not sure what these terms are for these loans. It also puzzles me looking at how many are listed? When I applied for a loan thru XXXX XXXX, I requested XXXX amount, XXXX and I think they approved it XXXX, then XXXX, but I'm not 100 % on exact amount. However, they did not list each dispersement as a separate loan ; it was XXXX loan that was given to the school and the financial aid department then released funds every semester. This private loan wasn't even applied for until XXXX, and I graduated XX/XX/XXXX. I have no idea which school these loans are even for. I have disputed the Nelnet previously but it looks like it only multiplied them, from my point of view only having a phone as I have been experiencing a hardship that is due to identity theft that I also believe may include money laundering as the information I have found is that my personal info is slightly altered like d.o.b ore name spelling as to move money like any lump payments, inheritance unknown and even reward/award funds that were unexpected and a chance for the fraud. As I have been dealing with this since XXXX and I have become less capable to focus all my attention on this situation due to the result that has led to loss of resources like a place to live due to illegally being evicted, closed credit accounts from duplicate cards n technology hack that mirrored everything causing confusion n misdirected charges n credits. I have no co signer ore other attachments that have the power to open accts in my name ore make financial decisions. I am curious to get the information on these accounts so I know the profile info to verify like driver 's license number n d.o.b., address when applied, ph number used at the time. I would like to know which school I went to and what kind of degree I received if any. What kind of terms for repayment was agreed because living on fixed income, I usually choose income based repayment plan as it only last 10 years n payment are forgiven if not paid in full by that time aside from normal deferment if my current situation is still not able to make payments due to income to low and living expenses too high. So not sure what ore why this is on my report, would like copies of application and all requested above ore have it taken off my credit report as it is causing more hardship and I'm already barely living in my car as it is on its last leg.

Company response to consumer: Closed with explanation