vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I noticed that on XX/XX/XXXX there were 17 transactions that had been done on my savings, checking while using my ATM card from Chase. I called Chase on the XXXX to reported. After hanging up, I proceeded to the branch, where I returned the ATM card. it and then I visited the branch by where I work. While in Chase, I turned in my debit card, My accounts were frozen and news one were open. A few days later I was reimbursed {$2600.00}. I called them back about a week later to find out the status and when I could expect the rest of the money to be returned. To my surprise I was told that it had been denied and not to expect any more money, The transactions where they had transferred money from my savings to checking and where the debit card had been used, I had no way of proving otherwise. One of the transactions they made was to a XXXX XXXX XXXX XXXX XXXX. All transactions were done in XXXX XXXX. I told them I could proof that I was in XXXX on XX/XX/XXXX, XXXX, XXXX, and XXXX. The XXXX and XXXX I stayed home, therefore I had no proof. 
The case # with XXXX is XXXX. 
Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX, {$93000.00} was accidentally wired to Wells Fargo. I was closing on a house in XXXX. The wire was meant to go to the title company. Instead it went to an account at Wells Fargo, their XXXX XXXX  XXXX. My bank, XXXX XXXXXXXX XXXX had auto-filled the account line. I immediately phoned my bank, I also wired a second {$93000.00} to the title company believing I would immediately get back the funds from the first wire. 
My bank issued a recall. That was two weeks ago and Wells Fargo has still not responded. Im told by my bank that Wells Fargo cant locate the recipient of my funds.. Wells Fargo has refused to speak with me. I have made multiple attempts. 
After days if not weeks of XXXX investigative work on my part, I finally discovered the name and location of the recipient. On XX/XX/XXXX I had wired funds for another closing in XXXX XXXX ( XXXX XXXX XXXX ). It went to an account owned by the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXXXXXX XXXX The account and routing numbers exactly matched the XXXX  and XXXX XXXX thaXXXX XXXX  XXXX XXXX had auto-filled on XX/XX/XXXX. I phoned XXXX XXXX XXXX. THEY HAD RECEIVED MY {$93000.00}. Attorney XXXX told me that they had rejected the funds and sent them back to Wells Fargo. 
Wells Fargo is lying about being unable to find the recipient and they are refusing to return my money to me. In the meantime, my bank, XXXXk XXXX XXXX, say they cant phone Wells Fargo. All they can do, they say, is issue a recall which did no good. 
This is an extreme financial hardship. I am in retirement; losing over {$93000.00} is not an option. I dont know where to turn. I have visited branch offices of both banks in my area, the title company and the police. I have called numerous people in the court system here. 
I ask that you intervene on my behalf and XXXX  Wells Fargo to return my money to me. I have all of the relevant account numbers, XXXX XXXX #, case #, and addresses of the entities involved. I am happy to share my research with anyone who can help me. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding the mishandling and conflicting information pertaining to the discharge of my loans under the Borrower Defense ( BD ) program. Since XXXX, I have diligently communicated with MOHELA, the Federal Student Aid ( FSA ) office, and the Borrower Defense Help Line regarding the status of my loan discharge. FSA has assured me that all relevant information concerning the discharge has been forwarded to MOHELA. However, MOHELA consistently denies receipt of this information, stating that they are unable to act until they receive it. Despite my repeated inquiries to both FSA and the Borrower Defense Help Line, I have been assured that the information was sent and instructed to allow additional time for processing. 

Despite this, in XXXX, I received a letter from MOHELA stating that none of my loans would be discharged, directly contradicting prior communications from the Department of Education and assurances from FSA and Borrower Defense. Furthermore, I have already received refunds for prior payments on these loans, which suggests that the loans have been discharged. This refund further contradicts MOHELA 's assertion that they do not have the necessary information to proceed with the discharge. 

These discrepanciesMOHELA 's contradictory statements and the refund for payments madedemonstrate a serious failure in communication and processing. My previous complaint to MOHELA about this issue was inadequately addressed with a response stating they lacked information on my BD case. Such a response is wholly unsatisfactory and fails to resolve the ongoing issue. 

I insist on a thorough review of my case and expect a prompt and clear resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: CA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. 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 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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I checked my report and noticed accounts that i did not open XX/XX/year> inthe amount of {$750.00}

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 2024-08-01 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:
I checked my report and noticed accounts that i did not open XX/XX/year> inthe amount of {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I checked my report and noticed accounts that i did not open XX/XX/2022 inthe amount of {$750.00}

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
15 U.S. code 1681c-2 A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error. I HAVE ATTACHED MY FTC REPORT # TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX FTC REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello and good day! I want to let you know that I'm serious in this complaint, my rights as a consumer is being violated as there are discrepancies on my credit report that seriously needs attention. These inaccuracies are gravely holding back my abilities in achieving financial freedom and getting approved for new credit. This is absolutely frustrating and affecting my overall well-being negatively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: AL

Complaint narrative:
I am writing to bring to your urgent attention the ongoing issues with several disputed accounts on my credit report. Despite my previous communications and requests for a thorough investigation into these inaccuracies, I have yet to receive a satisfactory resolution. The presence of these erroneous accounts is causing significant harm to my credit file, which in turn is severely affecting my daily life and financial stability. 

The negative impact of these inaccuracies can not be overstated ; they are hindering my ability to access essential financial services and are creating undue hardship. Therefore, I respectfully request that you conduct a comprehensive investigation into each of these disputed accounts. It is crucial that these errors are corrected promptly to reflect an accurate and fair representation of my credit history. 

I kindly urge you to prioritize this matter and take the necessary steps to rectify my credit report without further delay. Restoring the accuracy and integrity of my credit file is vital for me to regain control over my financial well-being. Your prompt action and support in resolving this issue would be greatly appreciated. 

Thank you for your understanding and assistance in this critical matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
On or about XX/XX/year> I contacted a financial institution to apply for a new credit card. I went through the pre-approval process on line and was declined due to my credit bureau files being frozen. I contacted all 3 credit bureaus, XXXX and XXXX responded with no problem. Experian did not. I have called there customer service phone many many times. There automated answering service would not give me access to a live representative. I have tried to use the forgot user ID and password to reset with there response being my date of birth and My social security number do not match, this is not accurate. On XX/XX/year> I sent Experian a letter detailing my access problem and requested a representative contact me, this also has not happened. Im very frustrated with there lack of response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Due to a database breach from XX/XX/XXXX. My personal information was compromised. Such as my name, social security number, and date of birth. After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. I've notified credit bureaus by phone, mail and online. regarding inquiries several times. 

XX/XX/XXXXXX/XX/XXXX I must inform you that I am NOT responsible for the above listed inquiries as I have been a victim of identity theft. I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please remove these erroneous items immediately and send me an updated copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/year> a transaction was made for XXXX for the amount of {$71.00}. I have filed claims with XXXX in which they were not able to refund the funds because they are stating it was done with no error. My card information was stollen and used with a guest XXXX account in which I also filed a claim with XXXX. I do have a XXXX account and when my card information was used they sent me an email. I provided all information to chime and my claim was denied. They act as if it is a verified transaction because my card information ( That was stollen ) was used with my name. On the XXXX receipt is blatantly shows a mans name that lives in XXXXXXXX XXXX  that used my card information to make a transaction on XXXX. chime has given me no support with this and is refusing to give my money that I have in my bank account that was an unauthorized. I have even filed a police report upon having the persons name and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: NJ

Complaint narrative:
On XX/XX/year> i file for disputing some accounts from my credit report. i file a dispute with XXXX. XXXX and Transunion and all of the accounts came back as verified and updated. 

Here are the account i file for dispute 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 2024-08-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/year> i file for disputing some accounts from my credit report. i file a dispute with Equifax. XXXX and XXXX and all of the accounts came back as verified and updated. 

Here are the account i file for dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: EQUIFAX, INC.
State: TN

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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 2024-08-01 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: OK

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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