vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened an auto loan through Wells Fargo and it has been a nightmare since day one. 
I am currently in the process of purchasing a home and I am having to put off my closing due to, guess what account? here it is XX/XX/XXXX, half way through the month and the last time they have reported anything back to the credit bureaus was XXXX. I have been calling Wells Fargo Auto Loan line everyday for the last month with no resolve and receiving the same excuse " it has already been sent '' even though all 3 bureaus still have the same exact information, last balance reported XXXX, last payment reported in 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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My student loans were discharged in XXXX of 2022 after I applied for the XXXX student loan discharge program. It was XXXX through XXXX but they are telling me that they are not the ones to report that information to the credit bureaus. I then reached out to the credit bureaus to ask about who has been reporting my student loan status for the past 7 months since it has been discharged and they told me that the holders on the student loan accounts are XXXX XXXX XXXX and that only they can make changes. I also reached out to XXXX XXXX XXXX and they told me XXXX should be reporting since they were the ones to discharge the student loan. I then disputed my student loan with the credit bureaus for showing inaccurate information and status and the report came back as ; correct posting that the information on my report that reflects it still having a balance is accurate. Both XXXX and XXXX XXXX XXXX have confirmed that my student loan is paid in full and that my balance should be {$0.00}, closed paid in full.

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My student loans were discharged in XXXX of 2022 after I applied for the XXXX student loan discharge program. It was XXXX through XXXX but they are telling me that they are not the ones to report that information to the credit bureaus. I then reached out to the credit bureaus to ask about who has been reporting my student loan status for the past 7 months since it has been discharged and they told me that the holders on the student loan accounts are XXXX XXXX XXXX  and that only they can make changes. I also reached out to XXXX XXXX XXXX and they told me XXXX should be reporting since they were the ones to discharge the student loan. I then disputed my student loan with the credit bureaus for showing inaccurate information and status and the report came back as ; correct posting that the information on my report that reflects it still having a balance is accurate. Both XXXX and XXXX XXXX XXXX have confirmed that my student loan is paid in full and that my balance should be {$0.00}, closed paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My student loans were discharged in XXXX of 2022 after I applied for the XXXX student loan discharge program. It was XXXX through XXXX but they are telling me that they are not the ones to report that information to the credit bureaus. I then reached out to the credit bureaus to ask about who has been reporting my student loan status for the past 7 months since it has been XXXX and they told me that the holders on the student loan accounts are XXXX XXXX XXXX and that only they can make changes. I also reached out to XXXX XXXX XXXX and they told me XXXX should be reporting since they were the ones to discharge the student loan. I then disputed my student loan with the credit bureaus for showing inaccurate information and status and the report came back as ; correct posting that the information on my report that reflects it still having a balance is accurate. Both XXXX and XXXX XXXX XXXX have confirmed that my student loan is paid in full and that my balance should be {$0.00}, closed paid in full.

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
XXXX***THIS IS NOT A DUPLICATE CASE**** I have called 4 days in a row and no one can assist me on my extension that I requested on XX/XX/22 - No docs ever received and they will not process my extension... .I NEED ASSISTANCE AND DOCS EMAILED ASAP!! I have waited and waited and nothing in the mail ... .ASSISTANCE NEEDED IMMEDIATELY. DO NOT CLOSE THIS AS A DUPLICATE, BECAUSE I HAVE NEVER EVER BEEN ASSISTED TO BEGIN WITH. HORRIBLE CUSTOMER SERVICE FOR A FINANCE COMPANY. I WILL REPORT THIS COMPANY TO ALL AVENUES...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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: OK

Complaint narrative:
I have tried several times over several weeks submitting documentation supporting my dispute. Every times I get error messages online so I mail them. However, I have seen NO changes.

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 2022-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
CONVERGENT OUTSOURCING is falsely reporting on my credit with a Balance of XXXX and Account number XXXX. CONVERGENT OUTSOURCING is a debt collector. They committed identity theft on me. This account is falsely reporting and violating my rights and the fair credit reporting act. Pursuing to 15 U.S. Code 1681d- Disclosure of Investigative Consumer Violation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( XXXX ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in writing and mailed, or otherwise delivered, to the consumer, not later than XXXX days after the date on which the report was first requested. Pursuing to 15 U.S.C 1681 section 602 A. States I have the right to privacy. I request to be provided proof of this alleged debt, specifically the original contract and instrument bearing my signature with CONVERGENT OUTSOURCING. Failure to show results on this alleged debt should be deleted from my credit report as soon as possible. Under federal law, you have XXXX  days for a reinvestigation. I will also be seeking monetary relief per violation for : XXXX. Defamation of character XXXX. Negligent Enablement of Identity Fraud XXXX. Violations of 15 U.S.C 1692g. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX  1995 ), you may be liable for your XXXX non-compliance. I respectfully request that your office provides me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ), this action might constitute fraud under both federal and state laws.

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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: CA

Complaint narrative:
My name is XXXX XXXX XXXX Experian have this info already but they ask me to prove this. XXXX XXXX account number ending in XXXX in accordance with the fair credit reporting act 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 ( a ) section 12 it also state a consumer reporting can not furnish a account without my written instructions. 15 usc 1666 ( b ) a creditor may not treat a payment on a credit card account under a open end consumer credit card account under a open consumer credit plan as late for a purpose

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 2022-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Nelnet, Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  # XXXX ( input accounts ), 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2022 around XXXX XXXX  I recieved a scam call, it was an act now scam, and I fell for it. I lost {$500.00}. Even though I reported it within minutes after having a gut wrenching feeling, Chase Bank did nothing, said to call the scammers and ask for it back, and then told me to call back the next day. 

XX/XX/2022 : I called Chase back and reported it once more, I filed a claim and cited regulation E, they refused to reimburse me and said that I am only covered if I give out my personal information like email or Chase bank online access. Even though I researched that I should be covered for this and quoted regulation E, the claims specialist would not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, 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: IN

Complaint narrative:
Account Name on Experian is XXXX XXXX XXXX XXXX Account Name on XXXX is XXXX XXXX XXXX XXXX Account Name on XXXX is XXXX XXXX  XXXX XXXX XXXX Account Number on Experian is XXXX, Account Number on XXXX is XXXX  and Account Number on XXXX is XXXX ... XXXX 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # all of the ones above, 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 agency can not furnish a 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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
These inquiries were done without my knowledge or permission and I would like them removed from my credit report. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
please remove all inquiries In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX Account # XXXX ( input accounts ), 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-13 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Payfare International Inc.
State: GA

Complaint narrative:
Ok I recently worked many hours with XXXX XXXX  and when I was paid my earnings was transferred to their XXXX XXXX XXXX  I tried to activate the card and called the customer service line for help, but no resolution. They continued to give me the run around telling me different stories every time I called in. The money was transferred to some unknown account which was not mine. The account was completely hacked and scammers were allowed to take my money I worked hard for and not pay me XXXX dime of it. Every time I called in now they do not answer the phone. The company online is called Pay-fare International.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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: OK

Complaint narrative:
I have tried several times over several weeks submitting documentation supporting my dispute. Every times I get error messages online so I mail them. However, I have seen NO changes.

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