vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I was hanging out with my girlfriend and I check my account and there where 2 checks XXXX and XXXX and I had no clue what they where. The XXXX one got approved by the bank and the money was put into my account However the XXXX one didn't cause I called in and reported them. Then they did there thing and said it came up false and then the other one said I was fine and there was no charges to me and they resolved it. Then I had an old friend phone number after say they hacked my bank and the name was XXXX. I was super confused cause it was specific. I went to the branch and they said the same thing it was my fault or something cause of the 2 {$1000.00} XXXX payments and that happened when THEY allowed a XXXX check that was fake go into my account. It was no longer pending and was a really check according to whoever looked at it. Then I seen it and it wasn't even my signature. So they let a check that wasn't my signature in and they still said they couldn't do anything and I had to pay for it all. This was weird because someone hacked into my account and put fraudulent checks that I called in about and sent money off after 1 check got approved. Then I called in and reported all this and then they did nothing about there mess up.

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 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/XXXX  I received an eviction notice from XXXX XXXX XXXX due that, XXXX stated that my rental payment that was paid by me, XXXX XXXX, was returned by the bank. I then went to the bank to see what the issue was. I also took out the rental payment that was sitting in the account every since XX/XX/. I got a money order for {$620.00}. {$620.00} was for the rent ; the extra {$20.00} was due that someone stayed in the house past 2 weeks. Per the rental agreement. Two dollars for the transaction through XXXX XXXX center and {$2.00} for the money order. 
If you take notice of the transactions below - the XXXX XXXX transaction of {$29.00} transacted on XX/XX/XXXX  leaving the balance of {$620.00}, {$5.00} over what was due for rent on XX/XX/. This was in the account still on XX/XX/XXXX  and left no basis for the return of the ACH that was transacted on XX/XX/2023 ( the rental payment ). 
As you can see in the bank record above, on the prior page, the Social Security Check was made available to me on XX/XX/2023 in the amount of {$1200.00}. At this time my bank account was reflecting a positive status. I could not have made 6 transactions on XX/XX/XXXX & XXXX XXXX  without that SS Check because that amount of money was not in the account prior to the SS Check. As you can see on the prior page, the SS Check has a credit date of XX/XX/. As you can see on this page, the Social Security Check has a credit date of XX/XX/2023, which is fraudulent in nature. This makes me think that either XXXX XXXX XXXX, has someone working for him in the bank doing illegal work, or Regions Bank has lost its mind. As you can see from the record above, the ACH payment - XXXX was returned on the XXXX when the account reflected a balance of {$620.00} from the XXXX up to the XXXX, at which I went into the bank to purchase a money order to pay the rent, after receiving the eviction notice. 
Pleas see attached proofs

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 2023-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
I submitted a payment before my due date yet my account shows a past due amount and interest is accruing on an amount I have already submitted the payment for. I believe they are doing this to scam the government since I am on SAVE, they want the interest to be higher since the government will just pay it. They are ignoring my requests and will not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: OH

Complaint narrative:
I have forwarded this information over to XXXX XXXX and TransUnion to remove this late payment from my credit profile I spoke with a representative on XX/XX/XXXX with all three bureaus and they have refused to do so self financial lender has agreed to remove the late payment from XX/XX/XXXX from my credit report and the bureaus are not taking this removal seriously and is refusing to remove this from my payment history this had been a headache and has been negatively affecting my credit score as I am trying to buy a home I have attached the proof that XXXXXXXX XXXX XXXX wants this removed from my credit report and these companies are giving me a hard time removing 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
Consumer complaint received 2023-10-27 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: OH

Complaint narrative:
I have forwarded this information over to XXXX Equifax and XXXX to remove this late payment from my credit profile I spoke with a representative on XX/XX/XXXX with all three bureaus and they have refused to do so XXXX XXXX XXXX  has agreed to remove the late payment from XX/XX/XXXX from my credit report and the bureaus are not taking this removal seriously and is refusing to remove this from my payment history this had been a headache and has been negatively affecting my credit score as I am trying to buy a home I have attached the proof that XXXXXXXX XXXX XXXX wants this removed from my credit report and these companies are giving me a hard time removing them!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: NY

Complaint narrative:
CFPB, XX/XX/2023 To whom it may concern, On XX/XX/XXXX, I went on the XXXX XXXX website and noticed that my Transunion credit score had dropped XXXX points. Also, I've noticed that my XXXX scored dropped XXXX points. Therefore, I've contacted both Transunion and XXXX to no avail. They both told me that they were unable to disclose any information about my accounts with them. Both companies representative just gave me bureaucratic jargon. The only thing that was straightforward was the information posted on XXXX XXXX website which I have enclosed. 
Transunion website stated 1 change : XXXX XXXXXXXX XXXX account balance decreased between XX/XX/2023 and XX/XX/2023 credit card balance decreased by {$170.00} from {$240.00} to {$70.00}. Note : Credit card limit is {$1300.00}. Transunion stated nice work you using less than 10 presents. All payments made on time. 

XXXX XXXX changes were Balance increased, balance decreased, payments made on time and account information changed. 
XXXX increased : First Access/TBOM balance increased between XX/XX/2023 and XX/XX/XXXX by {$7.00} from {$9.00} to {$16.00}. XXXX stated great job you still using less than XXXX percent. 
Balance Decreased XXXX XXXX XXXX . Balance decreased by {$170.00} from {$240.00} to {$70.00} Payments made on time Account information changed : I've spoken to representative in regards to this matter. Note : XXXX XXXX is the credit card issued by the XXXX XXXX XXXX  ( XXXX ). Still, nevertheless, my scores should not drop XXXX Transunion points and XXXX XXXX points by bringing my utilization down from XXXX percent to under XXXX percent and making on time payments. I have {$2700.00} credit line with very low utilization ( less than XXXX percent ).

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 2023-10-27 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: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be Verified You are reporting inaccurate and/or incomplete information concerning me in consumer reports. 

XXXX XXXX XXXX  on my 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 2023-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of Walla Walla
State: WA

Complaint narrative:
I had a XXXX XXXXk account that went delinquent and was closed at {$240.00}. I did not realize that the account had allowed final deductions than then resulted in overdraft fees. Cbww obtained the account and they garnished my wages for a total of {$580.00} and are still wanting another {$290.00}. I know that collection agencies often purchase debt for ALOT less than owed. So my problem is since they have made double what my original owed amount was I believe this to be a fraudulent and heinous act. In hopes of taking advantage of someone and taking their money for an accidental mistake that is now Infringing upon their credit score and life. They will not communicate with me nor have they sent any mail correspondence either. I have attached the copy of my pay stub and to what they had deducted from there. Collections of Walla Walla

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: Aqua Finance, Inc.
State: SC

Complaint narrative:
Aqua Finance XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX Attn : XXXX XXXX- CFO The claim stated within this letter that Aqua Finance violated the privacy rights of XXXX. 

XXXX under 5 U.S.C. Section 552 ( a ) [ The Privacy Act of 1974 ] which states : No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior consent of the individual to whom the record pertains and this agency had obligations with respect to protect that information under 15 U.S.C. section 6802 which states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. See Section 15 U.S.C. Section 6802 ( a ) and ( b ) ( 1 ) ( A ). This XXXX day of XXXX the year of our Lord XXXX DEMANDS that all information pertaining to XXXX XXXX /Account number XXXX be removed from all public bureaus or credit reporting institutions to include XXXX XXXX XXXX XXXX XXXX XXXX and not to exclude XXXX XXXX XXXX XXXX or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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:
Hello, Please completely remove me as authorized user from the XXXX  XXXX XXXX credit card attached. 

Please completely remove this tradeline from XXXX, Equifax, and XXXX- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please have this handled as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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:
Hello, Please completely remove me as authorized user from the XXXX  XXXX XXXX credit card attached. 

Please completely remove this tradeline from Experian, XXXX, and XXXX- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please have this handled as soon as possible.

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 2023-10-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a 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 2023-10-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed an auto loan account ( XXXX ) in XXXX because it randomly appeared on my credit. Experian stated that XXXX responded that they certify the account belongs to me. 
I asked Experian to send me any documents that XXXX sent but I havent received anything. I called XXXX customer relations department on XX/XX/XXXX to get the information that Experian cant seem to provide. I explained to the representative at XXXX customer relations that a delinquent auto loan account appeared on my credit over a month ago. I provided my email and was told someone would look into the situation. I received a call back a few days later and the representative told me I needed to reach out to XXXX credit department. They would be the department to dispute any fraudulent accounts. After finally getting a hold of someone I explained the same situation about an auto loan account appeared on my Experian Credit Report that wasnt mine. I provided my name and last XXXX of my social and even the fist few digits of the account number that appeared on my credit report. On XXXX recorded line the representative stated that she didnt seem any auto loan under my information. I volunteered my full social just in case someone else shared the same last XXXX digits of my social. She then put me on hold and the told me all she saw was inquiries but no account. I was told that they cant dispute the inquiries. I was told I would receive a fraud form to my email in which I never received. I also explained to her that I had previously disputed the account and told the representative that Experian results stated that XXXX said they certified it was correct. The XXXX representative in the credit department denied claims that they told Experian that it was my account because she said based of the information it XXXX would have deleted the account. So now there is a bigger issue. Either Experian is not actually disputing the account or XXXX doesnt want to take responsibility. This is defamation and violation of the FCRA. This has hurt my credit. I mentioned to the XXXX rep in the credit department that is pending dispute again and she stated she didnt see a dispute. But on my credit report it is being disputed. So now one can seem to verify this debt by sending me actual documents.

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 2023-10-27 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX 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. 



Open Account : XXXXXX/XX/XXXX # XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX {$210.00} XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

XXXX XXXX ( Original Creditor : XXXX CXXXX XXXX XXXX  XXXX {$210.00} 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 explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
Robinhood locked my XXXX and is taking an unbelievable amount of time to unlock it. 

They have my XXXX tied up for no reason whatsoever and request an insane amount of information just to unlock it ( drivers license, passport, bank statement, etc. ). They have yet to unlock it. 

I would be afraid to invest with Robinhood or leave my money or digital currency on the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: IL

Complaint narrative:
To Whom It XXXX Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX  XXXX {$6400.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$9500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX {$5800.00} XX/XX/XXXX XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/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