vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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. 

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 non-monetary relief
Consumer complaint received 2024-05-01 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: MI

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. 

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 non-monetary relief
Consumer complaint received 2024-05-01 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:
On XX/XX/XXXX I realized unauthorized charges on my debit card and i called fraud services after work. I talked to two different people, the first I called about a lost card, the 2nd i called about fraudulent charges. When i spoke to one of them, apparently I said I was in possession of the card still. the reason I looked at my Wells Fargo account was because of a denied transaction notification or low funds notification while i was at work. There I saw 10 charges that were unauthorized and immediately after work called and reported it. They denied the claim saying I said i still had the card, so they deemed the charges not fraudulent. I said this must be a mistake can you review the recorded line, 2weeks later I am told the claim is still denied, and am not given access to hear the tape for myself. I reported within 2 days I should be protected agains debit card theft and unauthorized purchases.

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 2024-05-01 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo advertises a days grace period to add funds to your account in order to avoid overdraft fees. I wanted to add {$25.00} to my XXXX account on XX/XX/XXXX and the transaction was approved. However the next day Wells Fargo tried to say the money was not available. Anyone who has ever tried to add money to a XXXX XXXX  account knows if the money isnt available, the transaction would not be approved. I have an automated debit of XXXX $ to my savings from my checking every day, this is what put my account into the negative by literally cents. I did add money to the account on XX/XX/XXXX to cover the overdraft of {$35.00} plus the XXXX it went over. When I called, first they refused to reverse the fee, then proceeded to tell me well its not really a days grace period, its a banking open XXXX closing.

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 2024-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; 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 2024-05-01 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: NY

Complaint narrative:
" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; 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 2024-05-01 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: MS

Complaint narrative:
XXXX XXXX : I have no accounts with them but there is an hard inquiries on my Equifax credit report. XXXX XXXX : I have no account with them but there is an hard inquiries on my Equifax credit report. XXXX XXXX XXXX XXXX never heard of this company before but there is an hard inquiries on my Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
I have received " this is a notice to collect a debt '' in regard to XXXX XXXX XXXX XXXX, informing I have/had debt with them. I requested documentation per 15 U.S Code 1681b, in which I have NEVER received any information or communication from them. I have received a judgment from Scott & Associates informing garnishment of wages, on behalf of XXXX XXXX XXXX, whom also did not send or notify me of any alleged debt. NO ONE of XXXX parties, including a company of XXXX XXXX XXXX XXXX who also did not send documentation upon request. This alleged debt seems to have gone through several agencies without my knowledge from the original creditor XXXX XXXX XXXX XXXX, and now Scott & Associates are trying to collect and sue me for something I have no knowing of. Scott & Associates is also trying to collect debt on an account with XXXX, which was possibly sold to XXXX XXXX XXXX XXXX XXXX in which I had no knowing of either. 

Creditor Acct # : XXXX XXXX XXXX / XXXX XXXX # : XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX ( UNKNOWN AMOUNT ) Creditor Acct # : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$2600.00} Please be mindful, 15 U.S. Code 1692g-Validation of debts and 15 U.S. Code 1692e-False or misleading representations. 

The following bureaus XXXX, XXXX, and XXXX are also in violation of my rights due to furnishing such information upon not verifying in due of the proper channels and procedures. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( a ) and 15 U.S. Code 1681e ( b ) accuracy of report. 

All parties will be mentioned in regard to the appropriate account number/info I have thus far. Upon listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: TX

Complaint narrative:
I Recently Reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Name XXXX XXXX XXXX number Account : XXXX, I don't recognize that account, much less that company account on my report. Please remove these account from my report, they are aggressively hurting and affectting my ability to obtain credit for a long time. Additionally These are the other inquiries that i do not recognize and want to remove from my credit history : 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 2024-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
Loans for forgiven via the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. However, I still have not received the refund for payments made prior to XXXXXXXX XXXX XXXXXXXX XXXX ( as stated in the Case ). When contacting Aidvantage, they tell me I am not eligible for a refund. Terms of the settlement No. XXXX ( XXXX. XXXX. ) state that " If the borrower defense application related to federal student loans taken out to pay for attendance at any school on the list of schooled attached to the settlement agreement as Exhibit C, the borrower will receive Full Settlement Relief. Full settlement relief means that the federal student loans associated with the borrower 's attendance at the school will be discharged, XXXX WILL REFUND ANY AMOUNTS PAID TO XXXX ON THOSE LOANS, and the credit tradeline for those loans will be deleted from the borrower 's credit report. '' So by these terms the XXXX has not honored full relief by not providing me with a refund for payments previously made. 

Please provide information on what my next steps should be. 

Thank you very much for your time and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws ; 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. Delete PUBLIC RECORD 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 2024-05-01 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: ME

Complaint narrative:
Submitted a dispute through Experian. Account appears twice on my credit report, XXXX under XXXX and again under XXXX. Both accounts show charged off with the same account number and balances owed which is correct. Tried to get XXXX of them removed through the dispute process but XXXX and Experian refuse to do so. Contacted XXXX by phone and they said there is nothing they can do about it and I have to deal with both negative accounts until XXXX. I didnt realize that a company can switch names and report to the credit bureaus twice for the same 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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: FL

Complaint narrative:
To whom it may concern : Attached you will find information Ive identified on my credit report that needs to be deleted from your records immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: NV

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent accounts on my credit report, which have resulted in denial of credit applications. Upon reviewing my credit report, I discovered the following unauthorized consumer finance accounts : XXXX XXXX : Opened on XX/XX/XXXX, Account # XXXX, with a balance of {$24.00}. 

XXXX Account # XXXX : Opened in XX/XX/XXXX, Account # XXXX, with reference number # XXXX. 

XXXX Account # XXXX : Opened in XX/XX/XXXX, Account # XXXX with a balance of {$400.00}. 

These accounts are not mine and are the result of identity theft. I have been a victim of identity theft since early XXXX, and despite repeated attempts to rectify the situation, fraudulent accounts continue to appear on my credit reports. This has severely impacted my ability to obtain credit and has caused significant distress in my daily life. 

Moreover, I must emphasize the urgency of this matter as I am also a XXXX XXXX XXXX XXXX. The financial repercussions of these fraudulent accounts exacerbate the challenges I face as a single mother of XXXX XXXX. They hinder my ability to provide for my family and hinder any chance of moving forward. 

Despite my efforts, the credit bureaus have provided minimal assistance and have made it exceedingly difficult to have these fraudulent accounts removed from my credit report. This lack of cooperation exacerbates the distressing situation I find myself in. 

Therefore, I kindly request immediate action to rectify this matter. I urge the Consumer Financial Protection Bureau to intervene and assist in the removal of these fraudulent accounts from my credit report. Additionally, I seek guidance on steps to prevent further occurrences of identity theft and financial fraud. 

Thank you for your attention to this matter. I eagerly await your prompt response and resolution of this pressing issue.

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 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Ive never went into any agreement with XXXX XXXX XXXX. Ive asked TransUnion to validate this information but theyve failed to do so. Ive never entered into any agreement with XXXX XXXX XXXX, so therefore it shouldnt be reporting to my credit. Ive also tried to just settle with them but they are way too aggressive and they refuse to do a decent settlement with me. This debt is not mine, I just want it to go away because its stressful.

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 2024-05-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BYS, LLC. d/b/a Boost Your Score
State: OH

Complaint narrative:
XX/XX/2024, I thought I was signing up for a short term loan. After reading fine print at the end, I did not want this company. I called immediately to close it and stop any debit. It was successful and guaranteed to stop any tranactions.They took it out anyhow on XX/XX/2024 to " BUILD UP MY CREDIT '' I called and demanded my money back. He said he had to close it. I would receive a return of funds very shortly. Nothing in XXXX I called again and ask Where is my refund??? check is being processed to return my money. Now they said I will get it in end of XXXX! I got a reply from XXXX. They said I agreed to 60 days refund. I never did because I cancelled it immediately. It never should have been taken out of my banking in the 1st place. This company is a scam I believe! 


Company called '' BOOST YOUR SCORE XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: MS

Complaint narrative:
Zion debt holdings at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX phone number XXXX contacted my wife some security account that my father in law opened up under XXXX. We have nothing to do with that account or debt that my father in law ( XXXX XXXX ) may owe. We never authorized any account or signed anything that allowed us to incur any kind of debt or account for my father in law.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/2024 I contacted WF to get into a payment plan and ended up arguing with a XXXX whom refused to take my info and offer me a payment plan, because I crought up her lies about previous violations, they decided to focus on that when this XXXX was already addressed! while XXXX was aware, he twisted and turned my request into to something else other than offering a payment plan. WF still sitting on this since XX/XX/2024 and refused to offer or provide a payment plan. I called in XXXX after speaking with XXXX whom they claimed they terminated but failed to proceed to assist me. XXXX violated my right and refused to assist me, argued with my and made derogatory comments about me not being educated and WF discriminated against me for a payment plan and ignored the fact as to why I even called XXXX XXXX! WF intent is to buy time to set me Up for foreclosure by month end of XXXX, Now that I am 90 days past due, they have done absolutely nothing, offered no program for repayment at all and refused to assist me on this. They made up XXXX to throw the request off. They have violated my rights as I have a FHA loan, and must provide assistance as they have not provided assistance. This request was XX/XX/XXXX and IM still WAITING for an answer and they are still sitting on it since I reach XXXX to set up foreclosure. ISSUE WAS KNOW acknowledged at all. Bringing up the past has nothing to do with my request on XX/XX/2024. They can call me names and call me uneducated and refuse to offer assistance while Im going thru hardship is truly a VIOLATION

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