vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-16 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: CA

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 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 2023-11-16 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: CA

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 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 2023-11-16 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: MN

Complaint narrative:
I notice unauthorized inquires on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

- 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 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 2023-11-16 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: MN

Complaint narrative:
I notice unauthorized inquires on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: MD

Complaint narrative:
They don't communicate with one another. 

XXXX, Transunion and XXXX report differently in term of the dates and some amounts. They have closed my complaint but I'm not satisfied with the result of their investigation.

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 2023-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I received an email from XXXX XXXXXXXX XXXX of XXXX through XXXX regarding an upcoming reservation. I don't trust emails so I went to the XXXX app to see if there was a message from the hotel and there was. The message was right under earlier correspondence I had with the hotel so I was not suspicious at all. There was a link that I clicked on to update my card and it went to a sit that looked just like XXXX and had the logo and everything. I entered my card info and it pinwheeled and then an SMS message was texted to me. I entered the number and then the XXXX site pinwheeled again and was taking a long time and asked for the SMS number again so another text was sent to me and I entered that number and at that point as it continued to pinwheel I was afraid it was taking the reservation money out twice so I logged into my bank and that is when I noticed the debit from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX had XXXX withdrawals for {$1000.00} each. I immediately exited the XXXX app and called Wells Fargo to report this and spoke to a lady named XXXX who took my report and provided us with provisional debits to cover the amount. I then called XXXX and reported the incident to XXXX. On Friday I received a letter from Wells Fargo saying that they are removing the provisional debits because they found that I approved the transactions. I did not approve any transaction to a foreign entity. I was approving a transaction to XXXX XXXXXXXX XXXX of XXXX for the amount of {$650.00}. I do not make purchases to unknown foreign companies so I am very upset that Wells Fargo did not consider this fraud and flag the transaction before letting it go through. I am also not satisfied with their investigation and findings and have filed a complaint with them as well.

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 monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I received a 30 day late on my credit report. I wasnt notified until my credit scrore dropped. I filed a complaint for the wrong doing and included my email. I reveived an email from them today and this hasn't happened until I included my email on the complaint. This company is using tactics to cover up not properly notifying me before ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
Dear Bridge Crest XXXX, I hope this letter finds you well. I am writing to express my deep dissatisfaction with the service I have received from your company, particularly in relation to inaccurate information being reported on my credit account and your refusal to provide an official title for the vehicle financed through your institution. 

I entered into a financial agreement with Bridge Crest XXXX for the financing of a vehicle, and unfortunately, my experience has been far from satisfactory. Despite my attempts to seek accurate information about my account, I have encountered numerous challenges. The information provided by your representatives has been inconsistent and, in some instances, outright false. This has not only caused confusion but has also had a detrimental impact on my XXXX XXXX. 

Furthermore, I am deeply concerned about the refusal of Bridge Crest XXXX to provide an official title for the vehicle as required by law. This lack of documentation not only poses legal issues but also raises questions about the transparency and compliance of your company with regulatory standards. 

I would appreciate your prompt attention to these matters. I kindly request the following actions be taken : A thorough investigation into the inaccuracies in the information reported on my credit account. 
Immediate correction of any inaccuracies found in my credit report resulting from misinformation provided by Bridge Crest XXXX. 
The provision of the official title for the vehicle in accordance with legal requirements. 
A written response addressing the concerns raised in this letter within 15 business days from the date of receipt.

I believe that addressing these issues promptly and transparently is in the best interest of both parties involved. Failing to do so may compel me to escalate this matter to relevant regulatory authorities and seek legal advice to protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Well, I got contacted by XXXX ( XXXX ) and they informed that I got some issues with my Amex card and they wanted to resolve it. So I trusted them and given my computer access to them. Then later they told me to call Amex and convey the message that XXXX ( XXXX ) has resolved the issues from their end and now its Amex turn to fix it further. Then I grab my Amex credit card and dial the number which is on the back of my card and the representative told me to buy XXXX XXXX XXXX XXXX worth {$3500.00}. I followed everything what Amex told me & later I realized that I have been getting scammed. So my only concern is how did I reach a scammer when I dialed the Amex number on the back of my card when XXXX ( XXXX ) had the remove access of my computer. I doubt that they might had the access to my cell phone as well. 

Then later in the day I went to XXXX and they did not help me with the refund and I called Amex & they said that they never ask for any Gift Cards. I want to dispute the amount from Amex but they are not helping me. 

This is why I am writing this to you because I am retired and on a very little social security. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I alerted the Bank of fraudulent activity on my accounts in XX/XX/2023. I closed 3 accounts ( with your help ) but the last remaining account is still being held by the bank, and I am locked out of the account. There has been no activity on the account since XX/XX/2023, except for one XXXX deposit made by a customer of mine. 
My question to you is : How long is the bank allowed to hold my account in stasis? Is there a time limit, or can they keep my funds indefinitely? 
The bank has been less than cooperative in the past, that is why I am trying to determine if I have any rights at this point. 
Thank you for your assistance.

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 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Both XXXX XXXX XXXX XXXX & Chase received inquiries to open up a credit card in my name. However this was a fraudulent charge as I did not do this. I called both banks to file a complaint and they are processing that internally. 

Only the Chase fraud hit my XXXX account. I have already reached out to XXXX to file a complaint there too. Weirdly enough I did receive a XXXX XXXX XXXX Debit Card but it didn't go on my credit report. Providing applicable reference/ID # s below Chase Reference Number - XXXX XXXX XXXX XXXX Debit Card - XXXX XXXX XXXX XXXX To be clear, I do not want to these credit cards opened up in my name Thank you for the assistance!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I talked to Midland funding by and tried to resolve this with XXXX XXXX he said he would not do anything for me to make payment arrangements he would not even try anything he was going to garnish my wages for the whole amount the only way to stop it would be to pay him the full amount very rude very nasty very threatening was not helpful at all try to resolve this they just won't do it I will lose my job if they garnish my wages please stop this company from harassing me and trying to get me to lose my job tried numerous times to make arrangements with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
XX/XX/XXXX  Became endentured to Affirm by XXXX  - over {$5000.00} and over {$200.00} on my XXXX - XXXX XXXX XXXX XXXX of XXXX gave a promse of a complete refund upon request. I did so XX/XX/XXXX  and multiple times since. Each time I was told refund was being processed and will be in my account in days. This was also given in text form. This was weeks ago and still no response. When I inquired of Afffirm they said the merchant is XXXX. When inquiring of XXXX they say they had nothing to do with this transaction. Asked XXXX  of the nature of their relationship with XXXX XXXX and XXXX of XXXX and how they can be listed as the merchant ( recepient of funds ) on the loan from Affirm. Asked also if they profited in any way from my becoming endentured to Affirm and if they endorsed XXXX  to represent XXXX as the recepeint of the funds to Affirm. I also asked Affirm if this has been done before- the merchant being listed as the recepient denying being involved. All the parties involved XXXX ( XXXX XXXX, XXXX ) XXXX and Affirm are slow in their response if at all. They also fail to answer questions asked of them. The evasiveness and delayed repsonse seems to imply a level familiarity if not collusion. Asking XXXX  and Affirm if there is any info they can give me regarding XXXX so as to send them notice by mail as well. Asked Affirm to examine the tracking number and see if addiional information could be acquired so as to follow up with XXXX. Was told there business was in Florida - I was unable to identify a business with this name currently registered in Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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:
I sent a dispute letter to all the credit bureaus and creditors regarding the accounts of which I do not know. I have not received any response nor a notification regarding the investigation and results. 

They need to delete these under my name since I don't know the said accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CBE Group, Inc.
State: NJ

Complaint narrative:
CHARTER COMMUNICATIONS keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to THE CBE GROUP INC-FORMER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), has violated my rights.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Earlier this year CHASE closed my checking, savings accounts- asked what was the issue as dont really use them out of the ordinary, and said was confidential and couldnt offer more info now they have closed my credit card as well, and dont understand as i pay my bills on time, and have everything in order. at least they should say whats the issue, feel i have been negated access to financial instruments here. have good credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I filed the claim with wells fargo regarding my fraud case on my checkin account. Wellsfargo account number is XXXX Merchant called XXXX withdrew {$44000.00} from my checking account. Ever since, i reached wells fargo for help but they didn't help me and kept on saying it an authorized charge. 

I never used XXXX and never gave my information! 

I need your help for wellsfargo to provide a proof showing an authorized charge because i never used XXXX in my life!

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 2023-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: TN

Complaint narrative:
Originally in XX/XX/XXXX I requested a loan modification I mailed documents and they claimed they never received them. Again, I resent documents and on XX/XX/XXXX I received a letter approving us for a loan modification. On XX/XX/XXXX, my loan modification documents came saying my new payments for the loan modification would be {$4000.00}, which was a significant increase from my original/current payments of {$3600.00} that we were already struggling to make due to our financial hardship in our business. I immediately called Selene Finance LP to see how could a financial hardship loan modification increase my mortgage I thought my payments were supposed to decrease. They said that was what I was approved for and basically I can accept or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2023 I sent a dispute letter to Experian along with my ID I received an email on XX/XX/2023 that it does not appear to be sent by me. I did send the letter and I feel that they are violating my rights by stalling and not having to look into the account. This is not the first time Experian has done this to me. I sent letters on these dates for the same account and received the stall letter each time XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and now XX/XX/2023 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 2023-11-16 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I sent a letter to this company requesting information about this account that showed up on my credit report. I have made several attempts to obtain proper information from this company however each time I was not successful in obtaining the information. Instead I received a letter requesting information from me which I am not willing to provide considering that I am disputing the validity of this account. Furthermore, the company is reporting this account yet can not locate my alleged account in their system. This further justifies my statement that this account reporting is not valid. The information I provided in previous letters to the company, along with the account number above ( which I obtained directly from the credit reporting 's ) was sufficient enough to find an account for me if a valid account for me did in fact exist. This company has failed to send me any information that I requested and yet continues to report this account.

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