vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-06 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: DC

Complaint narrative:
My apartment at XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX was flooded and looted and I had to abandon the apartment. Somebody got a hold of my credentials and debit cards and credit cards and repeatedly committed fraudulent transactions depleting all of my Wells Fargo Bank accounts. Wells Fargo Bank allowed fraudulent charges and fraudulent transactions for almost two months beyond account limits without interruption without alerting me or flagging the accounts. XXXX XXXXXXXX accepted responsibility for the financial fraud. XXXX has accepted responsibility for the financial fraud. I submitted DC police report XXXX. Wells Fargo Bank had not accepted responsibility for the financial fraud they allowed. Wells Fargo Bank contracted with me to hold me harmless of the financial fraud.

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 2023-09-06 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: NJ

Complaint narrative:
This is a multiple request to remove these unathorized inquiries from my XXXX and TRANSUNION credit report... 

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 explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase charged me XXXX {$10.00} " transaction fees '' but didn't indicate what the fees were for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-06 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: SC

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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: WA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$9100.00} XXXXXXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXXXXXX Balance : {$9100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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: SC

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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 reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-09-06 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: FL

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$510.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX : {$710.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  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
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In XXXXXXXX XXXX XXXX, I began making monthly payments on my student loan, to XXXX my student loan lender. XXXX claims they report to all 3 credit reporting agencies once a month, on a specific day for activity from the previous month. 

I began noticing that the Credit reporting agencies were not updating the balance properly, causing a negative impact to my credit score. I contacted XXXX at the number they provided in a letter, but the number was not a working number. I was able to locate a different number. and after many hours on the whole and speaking to over 4 superviors each month from XXXX to XXXX, I was able to get XXXX to send an update to all 3 of the credit bureaus. 

Unfortunately the credit bureaus still do not show the correct balance on my XXXX student loan account. Equifax still does not show the correct balance amounts from previous months. 

To make matters worse since paying over XXXX my credit score dropped XXXX points with one credit bureau, XXXX points with the second credit bureau and XXXX points with the XXXX credit bureau. All three credit reporting agencies are using FICO XXXX model. 
There is only one FICO XXXX model, why do I have XXXX different scores? Why after paying thousands of dollars on my student loans ( over XXXX XXXXXXXX between XXXX and XXXX ) would my credit score drop so drastically. I tried reaching each credit bureau for an explanation, the only thing they can tell me is that my balance goes into the scoring model and generates a score. 

Every time I make a payment, instead of my credit score going up, it is dropping drastically. This is causing me financial hardship because I am unable to finance a car at a normal interest rate. My mother is XXXX and recovering from XXXX XXXX and XXXX XXXX XXXXXXXX. We need a car to transport her to her medical appointments. It is causing me mental and emotional stress. I need help resolving this issue. 

Currently, there is no Governement oversight or regulations over the FICO XXXX scoring model and its inconsistencies amongst all three credit reporting agencies. 

I need help. please contact me. 

This is causing me a financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: NY

Complaint narrative:
I DID TRANSFER WITH WORLDREMIT TO DEPOSIT {$1000.00} IN XXXX XXXX TO TAKE OF MY ELDERLY PARENT ON XXXX DAY OF XX/XX/2023 AND THE MONEY WAS NOT DEPOSITED AS PROMISED DESPITE THAT THEY SENT EMAIL THAT THE MONEY IS DEPOSITED IN TO THE ACCOUNT. ON THE XXXX DAY OF XXXX, I CALLED AND COMPLAINED TO THE COMPANY. THEY REQUESTED THE BANK STATEMENT TO CONFIRM AND I DID AND SINCE THEN, I HAVE BEEN SENDING EMAILS AND CALLS BUT NO POSITIVE RESONSE THAN TO BE PATIENT WITH THEM. I SPOKE TO ONE MANAGER NAMED XXXX AND SHE PROMISED TO RESOLVE THE ISSUE THAT IT WAS THEIR LOCAL AGENT THAT CAUSED THE PROBLEM BUT TILL NOW MY MONEY IS NOT PAID OR REFUNDED BACK TO MY ACCOUNT. PLEASE HELP ME OUT.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: MI

Complaint narrative:
This company is reporting two accounts on my consumer reports. I have never received any information as to what these alleged debts are for. I have never done business with or ever spoken to them about any accounts. I have never received any information about these alleged debts. I have tried to dispute these accounts, yet they come back " verified '' without sending me any information as to how they " verified '' these debts. This inaccurate information on my consumer reports is causing financial damage to me and my family.

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 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
UPDATE TO CLAIM XXXX -- -- UPDATE TO CLAIM -- XXXX -- -- UPDATE TO CLAIM -- XXXX Wells Fargo has acquired my social ( credit card ) as defined under 15 USC 1602 to conduct a consumer credit transaction where I applied for an extension of my own credit but received no benefit and instead have been unlawfully denied. Wells Fargo still holds my identifying information like my social and has not performed its duties accordingly being in direct violation under 15 USC 1644 for in fact Wells Fargo has obtained my credit card for the sole purpose of extending to me my own credit via a FINANCE CHARGE but has denied me my Right to credit causing me harm and mental anguish and a lose of confidence in the banking system. This is a direct violation under 15 USC 1691 which clearly states -- -- -- ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction -- - ( XXXX ) because the applicant has in good faith exercised any right under this chapter. -- -- -- -Definition of credit under 15 USC 1691a clearly and directly states -- -- -- credit ( d ) The term credit means the right granted by a creditor -- -- -- -Definition of creditor under the same provision -- -- -- -- -creditor ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; -- -- -- -- -Definition of person under the same provision -- -- -- -- person ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. -- -- -- -- -- -- I the natural person have attempted to exercise my RIGHT to credit using my credit card to create an extension of credit via a consumer credit transaction creating a FINANCE CHARGE with Wells Fargo and have been denied that RIGHT. Wells Fargo instead alleges their COMPANY POLICY GRANTS THEM THE RIGHT TO DISCRIMINATE AND SEVERLY HURT A CONSUMER which is false and deceptive for policy does not XXXX Federal Law. Wells Fargo has obtained something of value for the purpose of money and has not performed in good faith denying a Federally Protected Right and is now also in violation under Tittle 18 242, 18 USC 1028A.

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 2023-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
UPDATE TO CLAIM XXXX -- -- -- UPDATE TO CLAIM XXXX -- -- -UPDATE TO CLAIM XXXX TRANSUNION is an elaborate mechanism as CONGRESS defined it under 15 USC 1681 ( 2 ) ( 3 ) who has ASSUMED its role to acquire and assemble my private personal identifying information against my Federal Right to privacy under the PRIVACY ACT OF 1974. TRANSUNION has committed identity theft under 18 USC 1028A as well as has acquired my social aka credit card to furnish a credit account with a fictitious score without my written consent as CONGRESS REQUIRES under 15 USC 1681b. TRANSUNION has been put on NOTICE of these WILLFUL VIOLATIONS and has been given 30 days to perform accordingly in good faith and remove the demanded accounts from consumer report as CONGRESS demands under 15 USC 1681a ( 2 ) ( i ) and 15 USC 1681c. TRANSUNION was also put on NOTICE for damages accrued by me due to these WILLFUL VIOLATIONS in the form of XXXX XXXX XXXX XXXXXXXX and inability to exercise my right to credit within the banking system for personal and household needs due to the false adverse accounts illegally reported on my consumer report. TRANSUNION performance in bad faith has caused me to be discriminated against because I have been denied a right to credit which is my GRANTED RIGHT and HAVE BEEN DENIED CREDIT. TRANSUNION is now directly in violation under the EQUAL CREDIT OPPORTUNITY ACT as well under TITTLE 18 USC 242 as well under 15 USC 1681q and 15 USC 1644 for acquiring my private information including my credit card defined under 15 USC 1602 to furnish a credit report that goes against CONGRESS requirements to coerce money in the amount via a subscription payment. TRANSUNION is also in contradiction of the IRS definition of Charged Off debt and the manner in which it should be described as INCOME and NOTHING ELSE. TRANSUNION is in fact reporting charged off accounts that are considered as income by the IRS which IS NOT REASONABLE and a direct violation under 15 USC 1681e ( b ) and 15 USC 1681i. TRANSUNION has been put on NOTICE AND IT HAS BEEN XXXX DAYS AND TRANSUNION HAS NOT RESPONDED TO I THE CONSUMER NOR THE CFPB FAILING TO ADDRESS THE MATTER IN A TIMELY MANNER and must remove the accounts regardless.

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 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I tried to work with the new company that took my loan. When I was under XXXX they kept telling me the defer or forbear my loan instead of being put on IDR. I don't remember dates. I'm just tired of feeling like my complaints are going nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
For background details - I have a credit limit on the Capital One XXXX XXXX of {$14000.00}, balance on it is {$290.00} as of XX/XX/XXXX. I have substantial limit remaining to be utilised. On XX/XX/XXXX, I contacted the customer service department of Capital One to inform them of a large purchase I was to make later that evening for the repair of my husband 's car which amounted upto {$6000.00}. I spoke to representative XXXX and was told that I do not require to inform Capital One of such purchases as I have no restriction on my account. Later that evening when I went to pick up the car from the auto shop, I tried to use my Capital One XXXX Credit card but was immediately declined. I then contacted the customer service department again and come to find out that they restricted my account with XXXX explanations or notifications. And the rep mentioned that it is being reviewed by a specialist and that I will not be able to use my card for 7-10 days or until the restriction is removed completely. I contacted them again and was connected to the fraud department, this time rep XXXX and XXXX repeated the same thing and refused to tell me the reason for this restriction on my account. They declined to help me and just asked me to wait to be contacted by Capital One directly after 7-10 business days. Due to this my husband and I have been placed in a difficult situation with no reliable transportation until this Bank reviews my account which was opened recently. I had a balance of {$590.00} as of XX/XX/XXXX, of which {$300.00} was paid same day. This payment was above the minimum payment of {$25.00} required. 
Capital One has failed to resolve this issue with a reasonable cause. I did not even attempt to utilize more than half of the credit limit, I informed them prior to making the purchase and I have no late payments, yet my card/account has been restricted or blocked from being used. Very disappointing and terrible experience. Will advise others to be very careful before banking with Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
XX/XX/2017 there is an open account with XXXXXXXX XXXX XXXXXXXX XXXX that I did not open or authorize to be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grain Technology, Inc.
State: VA

Complaint narrative:
XX/XX/2021 an account was opened in my name that is fraudulent. I did not authorize this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation