vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XX/XX/2024 Got a call from The XXXX Police Phone # saying that my identity is being misused for wrong reasons. 
Police Chief from XXXX XXXX XXXX was schedule SSA Appointment to report Identity Theft. But Documents required for Appointment was XXXX Letter from DO Treasury due the reason that My identity was used for Money Laundering. 
For the Letter I was Asked to CBP Special Agent : XXXX XXXX as investigating Officer. 
Forn them XXXX XXXX terrorized me for 4 weeks with documents sent thru FAX to me about the Identity Theft Case, basically he mentioned in order to get XXXX from DOT DHS has to close all my bank accounts and issue Identify. 
For that XXXX XXXX asked to Transfer all the Money to XXXX XXXX XXXX Escrow Account DOT Escrow Account so that I get the XXXX approval. 
As soon as all this started, I have to call him every day before I step out my home due to the ongoing investigation. But lately he was not responding to my calls and not giving any updates on the case. 
XXXX XXXX sent couple of IRS documents to sing and forwarded to DHS in the process I was forced to wire transfer {$280000.00} to a domestic wire transfer from my IRA and My daughter XXXX money.

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 2024-12-08 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: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
. XXXX XXXX Account # ending in XXXX Apple Card has violated my rights as a consumer and is in violation of multiple laws set forth by congress 15 U.S.

Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law. 
Therefore I am asking that my credit report shows paid as agreed indefinitely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: DISCOVER BANK
State: AZ

Complaint narrative:
XXXX XXXX Account # XXXX Discover card has violated my rights as a consumer and is in violation of multiple laws set forth by congress 15 U.S.

Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under in shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law. 
Therefore I am asking that my credit report shows paid as agreed indefinitely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: NH

Complaint narrative:
Equifax has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ) and 611, in handling my dispute regarding fraudulent information on my credit report. 

Previous Dispute Submitted to Equifax : XX/XX/XXXXXXXX  CFPB Case Number : XXXX Equifax recently closed my dispute without blocking the fraudulent late payment. This violates FCRA 605B, which mandates that fraudulent information be blocked from a consumer 's credit report within four business days of receiving proper documentation. 

I am a victim of identity theft and the Equifax data breach. The fraudulent late payment pertains to an auto loan opened at XXXX XXXX on XX/XX/XXXX, under account number XXXX. It was reported as delinquent in XX/XX/XXXX. I do not recognize this late payment or the account and have provided substantial evidence supporting my claim, including : A valid identity theft affidavit ( FTC Identity Theft Criminal Complaint # XXXX ) Proof of address A copy of my government-issued identification Documentation linking me to the Equifax data breach Despite receiving this evidence, Equifax failed to block the disputed items within the four business days required by FCRA 605B . Instead, they " verified '' the fraudulent accounts without disclosing the sources or evidence used, violating FCRA 611. 

Equifax has not blocked the fraudulent late payment from my credit file, as required under 605B of the FCRA. This non-compliance is particularly egregious given that I am a known victim of the Equifax data breach. 

Failure to Conduct a Reasonable Reinvestigation ( FCRA 611 ) Equifax 's investigation did not meet the standards outlined in 611. They failed to provide details of their verification process, including the sources and furnishers contacted. This lack of transparency undermines my right to accurate credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
When we moved to Kentucky, we lost all of our investment in our home. The title office we used to buy our house created a fraudulent title report to get the bank to give us the loan. Now, the bank will not give us the information we need to fight our case in court. Our homeowner 's title insurance is asking for the information our bank will not provide. Our bank did not audit any of the info the title office gave them and approved the original loan. We recently were denied a HELOC loan by our bank, because we don't have " clear title '' on our house. We need the bank to help us defend ourselves in court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: AL

Complaint narrative:
NELNET is in violation of USC 1681b Permissible Purpose and 18 USC 1028 A. In accordance with FCRA Laws. I have not given written permission for Nelnet to report any information on my consumer reports. Permissible Purpose can not be assigned it must be given. I have requested documentation that states I, XXXX XXXX, have agreed to have Nelnet handle my account or where it is a contractual obligation where I gave Nelnet written permission to report any information on my consumer reports. I want to clarify that I have not given Nelnet permission to access or report any information on my consumer reports. As such, I am requesting documentation that explicitly shows where I gave Nelnet permission to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: CITIBANK, N.A.
State: CT

Complaint narrative:
Hello! I was checking my credit report for the first time in a while and I noticed that there were unauthorized credit inquiries which is fraud and i would greatly appreciate if they could be removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Navy Federal credit union recently raised my interest rates on my auto loan they claim that they did not receive the title from XXXX XXXX XXXX  when I purchased a vehicle. In fact this is incorrect. XXXX XXXX XXXX previously sent the title to them in XX/XX/XXXX and when Navy Federal credit union received the title they sent the title to an old adddess last used in XXXX and the title was lost in transit. When I found out about this NFCU apologized but I was frustrated and I asked the bank XXXX XXXX XXXX XXXX XXXX  to request a duplicate title. NFCU lates received the title in XXXX but on XX/XX/XXXX they sent it a second time to an old address last used in XXXX. I have been receiving mail from them regularly in my new adddess these past 9 years since I left that old adddess but yet decided to send my title to an address used in XXXX. I dont understand why they keep sending it to an old address. However they raised my rate still until they get the title for the third time. I think they are purposely losing my title to make me pay more on my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MI

Complaint narrative:
Between XX/XX/year> and XX/XX/year> chime bank alllowed 134 transaction on XXXX  using a virtual card number. The total was $ XXXX dollars they also alllowed multiple log in a from all over the country into my account and failed to stop them. I never recieved a text and the emails were mailed to my junk folder. I feel as though chime makes their emails loook spammmy just for that reason so it doesnt notify when recieved. Now Im sitting here penniless while chime drags thier feet on investigating these fraudulent charges while trying to blame me. I would think if 12 transactions came through to the same place in esss than. 30 min they would notice and put a stop to it. They just let whomever take or spend whatever they want. I even showed my transaction list from. XXXX  using my emaul address that showed zero transactions since opening a year ago. Should be a red flag when theres 11 logins from alllover the country with In days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
I purchased a cell phone contract with XXXX XXXX XXXX and a new device. When I brought it home, after being told that XXXX XXXX XXXX provided service to my area, the device never was able to connect to the network and was unusable. I took it to the store, XXXX XXXX, and they assured me nothing was wrong with the device. I contacted XXXX XXXX XXXX  and they admitted that they did not cover my area and that I could pay additional money to purchase a repeater, that would be shared by other users on the XXXX XXXX XXXX network ... What? I was also not able to use the Wi-Fi calling feature that came with the device because XXXX XXXX XXXX had disabled the feature on my particular device. Due to XXXX XXXX XXXX coverage maps being false, the XXXX XXXX XXXX representative misrepresenting the service, and the carrier disabling features on my device that would have allowed it to function properly, I returned the device to the store within 30-days to exercise the money-back guarantee that was offered. After paying a restocking fee at the store and cancelling my service ( which I was not able to use ) I still received a bill in the mail for service I was never provided. I was told afterwards that " Oops it looks like the guarantee you were attempting to use was for online orders only. '' Though this was not explicitly stated in the Terms of Service at the time of my purchase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Hello! I was checking my credit report for the first time in a while and I noticed that there were unauthorized credit inquiries which is fraud and i would greatly appreciate if they could be removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Significant Credit Score Discrepancy Reported by TransUnion. 
I am writing to file a formal complaint regarding an unresolved significant dip in my credit score as reported by TransUnion on XX/XX/year>. Despite maintaining excellent credit habits, my TransUnion credit score dropped by over XXXX points and has not been restored even after seven months. 

Details of the Issue : On XX/XX/year>, my TransUnion credit score dropped significantly from XXXX to XXXX. 
I have had no missed payments, no delinquent accounts, no significant changes in credit utilization ( which is at 0-1 % ), and no outstanding balances. 
My credit score with other bureaus remains stable and reflects my excellent credit habits. 
Despite multiple attempts to resolve this directly with TransUnion, I have been subjected to the " runaround '' and have not received a satisfactory explanation or resolution. 
This unexplained credit score drop is adversely impacting my financial reputation and may affect future financial opportunities. XXXX lack of response and resolution over a seven-month period is unacceptable. 

Supporting Documents : I have attached screenshots of my credit reports and scores from various platforms to demonstrate the discrepancy and consistency in my credit behavior.

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 2024-12-08 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:
XXXX XXXX has destroyed my life and destroyed my credit score while XXXX  closing my oldest credit line and bank account The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report and trans union noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please have trans union and XXXX remove or delete these accounts 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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARVANT FINANCIAL LLC
State: NY

Complaint narrative:
These are charge offs with inaccurate information on my credit and need to be removed. 
XXXX XXXX  Last reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX ChargeOff XXXX  Last reported XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am a citibank customer. I have a checking, savings, macys, macys XXXX  and a citi double cash credit card. About a month ago it locked about 3 times in one day and I was able to fix it and only one supervisor out of three was able to help me with my transaction. The very next morning, I wanted to make another transaction so I called first to have a supervisor on the phone while I make the transaction incase I have an issue and didn't want to get the card locked again. The representative was rude, disrespectful, joking, laughing at me and should not be working for customer service. She didn't want to transfer me to a supervisor and told me my security word was wrong and locked my account. It's been over a month and I received letters with the reference numbers multiple times and everytime I call to verify, I am told it's the wrong letter. This is unacceptable and I'm very upset with the help and service of most of the representatives for citibank besides a couple here and there. But most of them are unprofessional, disrespectful and rude. I want to use my double cash citi credit card. I have multiple accounts with citibank and I want my card unlocked now!

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 2024-12-08 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: NY

Complaint narrative:
XXXX XXXX has destroyed my life and destroyed my credit score while XXXX  closing my oldest credit line and bank account The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report and XXXX XXXX noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please have XXXX XXXX and Experian remove or delete these accounts 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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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