vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-13 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Asked companies to investigate account to make sure it was XXXX XXXX accurate and correct according to FCRA, account is still reporting inaccuracies causing harm to my credit. 

XXXX, In XXXX, XXXX XXXX reported ok ( paid ), but on XXXX, XXXX Transunion reported 30 days late. Which bureau is XXXX XXXX accurate? 

XXXX. In XXXX, XXXX XXXX reported XXXX  days late, but in XXXX, XXXX Transunion reported ok ( paid ). Which bureau XXXX % accurate?

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 2022-10-13 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My student loan have been reported on my Equifax, XXXX, and XXXX files for over 29 years. I have contacted them through the years, they keep reporting it. 

My loan has been bought and sold many times. I have proof, and I'm ready to show my credit reports that I saved through the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2022, I was having trouble with my new TV and connecting to XXXX through the TV. Like many Americans, I reached for my phone and did a search on XXXX for XXXX customer service. Unbeknownst to me, the XXXX algorithm did not provide me with the actual XXXX customer service, but a number to scammers. 

Again, not knowing they were scammers, I called, and they informed me that there had been a security breach on my account, and that I needed to download an app called XXXX, and before I knew it they had me transfer XXXX cash advances in the amounts of {$2300.00} each ( not including cash advance fees ). Cash advances do NOT appear as pending on an account immediately, and then they had me XXXX the money to someone else. 

I immediately contacted WELLS FARGO and filed a complaint to which they investigated and their response was " We processed these transactions as authorized '' nothing we can do, sorry XXXX. 

I then complained to the XXXX Offices, and once again, I was met with the response " Our position has not changed, we processed the transactions as you authorized. '' Had I known I was being scammed, I would have NEVER authorized this, and this was FRAUD by deception, and I find it ominous that Wells Fargo BENEFITS from not only the cash advance fees but has a stake in XXXX as well. Needless to say, I closed my checking and savings with Wells Fargo, and told them I will never do business with them again, and that XXXX XXXX and XXXX XXXX would be rolling in their graves if they knew about this... but it fell on deaf ears. 

Help! 

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 2022-10-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent letters out to all XXXX credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or XXXX party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-10-13 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-10-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received a text from a " wells fargo '' number stating that there were charges on my bank account asking if i made these transactions. I was asked to respond N for no Y for yes if i authorized these transactions. I sent N, for no. 5 minutes later i got a call from a " wells fargo '' number from a " representative stating they were from wellsfargo to help take back the unauthorized transactions. While on the phone, i had my account open and saw {$3500.00} being taken out of my account through XXXX, the " representative '' asked if i just sent a XXXX to XXXX. No i did not. at that time i was asked to get XXXX on the phone to send back the {$3500.00} that was XXXX to his account. Thinking we were speaking to a wellsfargo rep, XXXX XXXX the XXXX back however. The {$3500.00} did not come to my account at that time we realized we were being scammed and the XXXX went to the scammers. I immediately contacted wellsfargo fraud number to report what had happened. Wells fargo fraud rep in fact confirmed that there was no record of what had happened and we were indeed scammed. I reported the issue to get our XXXX dollars reimbursed, went to the wellsfargo branch the next day to also report the fraudulent unauthorized transaction that was made to XXXX through XXXX. Wells fargo then had us change our bank account all together, and we were reimbursed the XXXX XXXX weeks later, however was not told they were taking the money back from XXXX 's account to our account. This was also an unauthorized transaction on wellsfargo because XXXX never got our XXXX to begin with, the scammers had XXXX send them the XXXX not us. so at that time XXXX was not out any money and the XXXX should not have been taken from his account to our account. At this time we are still out XXXX due to the unauthorized fraudulent actions that occurred. this was a fraudulent action on our account through XXXX that wells fargo should report investigate and refund our money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: FL

Complaint narrative:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2022-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-13 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My student loan have been reported on my XXXX, XXXX, and TransUnion files for over 29 years. I have contacted them through the years, they keep reporting it. 

My loan has been bought and sold many times. I have proof, and I'm ready to show my credit reports that I saved through the years.

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 2022-10-13 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My student loan have been reported on my XXXX, Experian, and XXXX files for over 29 years. I have contacted them through the years, they keep reporting it. 

My loan has been bought and sold many times. I have proof, and I'm ready to show my credit reports that I saved through the years.

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 2022-10-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-10-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I've been calling Caliber Home Loans numerous times since XXXX of this year, attempting to speak with a competent person that can explain why Caliber Home Loans took {$2000.00} out of my escrow account unexpectedly on XX/XX/2022. I have been calling to understand why this action took place and to ensure the money is promptly put back into my account. The money taken from Caliber is money I had added to my account of my own free will and for the purpose of lowering my mortgage payment each month. The money was taken out of my escrow account after I had paid the same amount ( {$2000.00} ) into the account XX/XX/2022. After numerous attempts calling and explaining this problem to Caliber 's customer service line, spending hours on the phone and speaking with multiple people in the Insurance Department, Escalation Department, and Customer Care Department, I have not had one person able to offer a solution. Each person I would speak to usually ended up telling me that I needed to speak with another department and/or that someone would reach out to me to help. During my last several attempts at calling Caliber Home Loans, I had been very explicit that I needed to speak with a " Level 3 Agent '', as it was explained to me by customer care that these agents are the highest level of management for customer service and that Level 3 Agents are qualified to help with a problem such as mine. Despite making several attempts to speak with Level 3 Agents on different days, each time it was explained to me that Level 3 Agents are not available and they would call me back within 72hrs. Since my last attempt on XX/XX/2022 I have not received a call, text, email, or any other form of communication from one individual at Caliber Home Loans since first reaching out with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please see attached docs for ID theft info and FTC papers for my id theft and remove the affected accounts thx. 
FILES ATTACHED : 1. FTC ID THEFT REPORT 2. FCRA 605B 3. AFFIDAVIT OF ACCOUNTS THAT ARE FRAUD EACH BUREAU ( EXPIERIAN, XXXX XXXX XXXX ) 4. POLICE REPORT 5. ID PROOF

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 2022-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I had a hard inquiry placed on my account for a Capital one credit card, on XX/XX/2022 and it has continously lowered my credit score. 
I DID NOT APPLY FOR THIS CARD AT ANY POINT IN TIME I don't even understand how to apply for one, or what it could do to my score. 
I've been working my behind off trying to get my score to where it needs to be, and all this " hard inquiry for a capital one credit card '', has done is makes things worse and very stressful. 
I HAVE NOT AND DO NOT KNOW HOW TO EVEN APPLY FOR A CARD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/22, approx. {$15000.00} was stolen from my checking account via a cyber attack.. Wells Fargo began an investigation and to cover their loss, they took {$7800.00} from my savings account to replenish the stolen money from my checking account. They said it was overdraft protection. 
On XX/XX/22, they issued me a provisional credit of {$9700.00} ( whatever that means ). 
On XX/XX/22 thieves stoke approx {$15000.00} from my checking account. 
Since then, Wells Fargo has stolen $ XXXX from my savings account. 
On XX/XX/22, Wells Fargo issued me a Provisional Credit of {$9700.00}. 
Basically, a total of {$22000.00} was stolen from my two accounts by Cyber thieves and by Wells Fargo thieves. Wells Fargo issued a provisional credit of {$9700.00}. 
So Wells Fargo still needs to reimburse me {$13000.00} in stolen funds. 
TODAY IS 37 DAYS since my two accounts were raided. 
Thank You 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 2022-10-13 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: PA

Complaint narrative:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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