vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-27 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: HI

Complaint narrative:
The following account is hurting my credit rating, credit standing, and credit capacity XXXX XXXX [ Account # XXXX ]. Pursuant to section 623 ( a ) ( 1 ) ( A ) of the FCRA, an agency 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. I submitted a dispute to Experian regarding the account. In that dispute I stated that it was reporting inaccurate or incomplete information to which Experian said that it was " verified ''. However after their investigation the reporting of the account remained the same, inaccurate and incomplete. To date, the account has been reporting a monthly charge status but the account was closed in 2018 and the payment history section doesn't report a closed status when Experian payment history legend has a close status. How can an account report a new charge off status on a monthly basis when it's already closed? This results in the information being inaccurate, incomplete which violate the FCRA and XXXX XXXX ( the procedures that consumer reporting agencies adopted to ensure accurate and timely reporting ). I had notified XXXX and this information should be deleted as stated in section 623 ( a ) ( 1 ) ( B ) of the FCRA. Pursuant to section 623 ( b ) ( 1 ) ( E ) ( ii ) I am demanding that this agency removes this account from all of my consumer reports as it is inaccurate, incomplete, and/or unverifiable.

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 2024-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
We were alerted via XXXX that our Wells Fargo account had a fraudulent charge of about XXXX $ at a XXXX XXXX ( I think- cant recall the exact name ). My husband was taking the call on his XXXX and after being advised by the caller apparently, from wells fargo, that we were on a recorded line, he proceeded to inform us that not only was there a fraudulent charge on our acct but also that there were numerous charges that needed to be addressed in order to not lose the money in question. Turned out to be a lot of money XXXX XXXX I took the phone from my husband and began to do what the banker advised. It wasnt until some time into the conversation that I realized something isnt right. After much manipulation he managed to obtain my husbands information from his phone including his XXXX XXXX  and banking information and managed to withdraw XXXX XXXX That is pending with XXXX fraud claims with Wells Fargo. The following day it appeared that he opened an unauthorized bank account under my husbands name. At the same time that I realized I was being scammed, I hung up and immediately called Wells Fargo. They informed us that it wasnt them on the line prior. Within minutes, my husbands phone and XXXX XXXX shut down and when they came back up, all information was wiped clean of the devices and the XXXX XXXX rendered useless as it was placed into lost mode. Nothing can be done to retrieve that watch. I was able to obtain an email address that manipulated my husbands phone. That is XXXX. The phone log shows the incoming call but is, of course, no longer in service. That number is XXXX. I am in process of taking the necessary steps to protect our information as Im afraid he has my husbands ss # and maybe mine as well. Thank you so much We want our money put back in our accounts. My kids accounts were also affected by this scam. All withdrawals, and there were several, are all showing as pending so idk if the money actually ever went out of the accounts because we called Wells Fargo immediately upon realizing that we were being scammed

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 2024-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
I applied for Direct Consolidation with a request to be put on the XXXX program as part of the application and chose to switch my loan from XXXX to MOHELA on XX/XX/XXXX. 

The consolidation went through on XX/XX/XXXX and the income based repayment plan somehow was not submitted as part of that application. I was put on a standard repayment plan which is not what I applied for and can not afford. I have since been accruing interest on my loan and should not be. 

I spoke with someone from MOHELA and was directed to submit another income based repayment plan application. I did so on XX/XX/XXXX. I was told that my account would be placed in administrative forbearance the following day XX/XX/XXXX. My account still says 'Awaiting Form Administrative Forbearance-Ends XX/XX/XXXX '. I was told that MOHELA recieved my new application by the represenative and I want to know why the form is not in my account yet and why it has not been processed. This timeline is unacceptable. There has been XXXX communication from MOHELA regarding my application. I have had to call them to get any information about my loan repayment application. Why am I having to call and get this information? That is the companies job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: IL

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the address I do not recognize is continued here. 

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 2024-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
As a season ticket holder for the XXXX XXXX, we were invited to a free party at the XXXX which includes two hours free parking. The night before the event, the XXXX game was rained out and rescheduled for the day of the party, thereby jamming up all the parking. We were directed to park in the XXXX XXXX, the only remaining parking. That lot was jammed and we had to park near the top of the garage We left the party in plenty of time to stay within the two hours free parking, In leaving the garage, the garage owner, XXXX XXXX, had blocked off the exits on the third floor, blocking it with a golf cart, forcing us to drive to the bottom of the lot where only one gate was open despite having a baseball game having ended. This forced us to go further down the garage than should have been required and to wait for others leaving the game. When we finally got to the gate, they claimed we were one minute over the free parking and demanded {$25.00} to exit. We disputed it but they refused to let us leave, despite the fact that they had blocked off the other exits forcing us to this exit further away and in the wake of the end of the rescheduled game. The fact that they game was rescheuled at the time of the free party should have made this parking issue apparent and blocking off the other exits despite a full grage added 5 minutes to just gettig to the open exit where we then had to wait, I should not have been charged {$25.00} as the reason we were 1 minute over was the blocking of the exit we reached in plenty of time and the fact that they should have known that the rained out game being added to the time right before the party would create this parking mess in the first place. 

When I contacted Chase about disputing the charge which i tried to do in writing, I was directed to contact an XXXX number. I was told by the employee of Chase at that number that I could not dispute the charge. I pointed out that this was a misleading and false statement in the the XXXX gives me the right to dispute the charge and as an employee of XXXX with XXXX or apparent authority to act on their behalf, she was providing false information, I asked XXXX speak to a supervisor and was told one would call me back. I never receieved that call back. I received an e-mail about the dispute but it demanded documentation, This is not a document dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-27 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: VA

Complaint narrative:
To Whom It May Concern : Id like to bring to your attention the following errors in my credit report. I am hoping to get some assistance from the CFPB, in accordance with the Fair Credit Reporting Act. Id like to request the deletion of these inaccurate accounts that are having a detrimental impact on my XXXX XXXX and resultant interest rate costs : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX, account ending XXXX ( a ) Account Status should show Closed ; was paid as agreed ( b ) Available Credit {$0.00}. No late payments. 
( c ) Error in the record. I request CFPB assistance so XXXX, TransUnion and XXXX would please remove this record. 

2. XXXX XXXX XXXX XXXX XXXX, account XXXX ( a ) Duplicate account, and covered under number XXXX above. 
( b ) This account was not Charged Off. 
( c ) Error in the record. I request CFPB assistance so XXXX, TransUnion and XXXX would please remove this record. 

3XXXX XXXX XXXX  account ending XXXX ( a ) Account Status is incorrect. This account was not Charged Off. 
( b ) Monthly payments of {$150.00} from XX/XX/year> through XX/XX/year>, have been paid and are not reflected. There are no payments past due. 
( c ) Error in the record. I request CFPB assistance so XXXX, TransUnion and XXXX would please remove this record. 

4. XXXX XXXXXXXX, account ending XXXX ( a ) Account Status is incorrect. This account was not Charged Off. 
( b ) Monthly payments of {$200.00} from XX/XX/year> through XX/XX/year>, have been paid and are not reflected. There are no payments past due. 
( c ) Error in the record. I request CFPB assistance so XXXX, TransUnion and XXXX would please remove this record. 

5. XXXX XXXXXXXX, account ending XXXX ( a ) Account Status is incorrect. This account was not Charged Off. 
( b ) Monthly payments of {$450.00} from XX/XX/year> through XX/XX/year>, have been paid and are not reflected. There are no payments past due. 
( c ) Error in the record. I request CFPB assistance so XXXX, TransUnion and XXXX would please remove this record. 

Thank you for your attention to this matter, and feel free to reach me by phone or email. Based on your determinations, Im happy to follow up with XXXX XXXX, XXXX XXXXXXXX XXXX as well as the credit reporting bureaus. 

Kind regards, 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 2024-07-27 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: VA

Complaint narrative:
To Whom It XXXX Concern : Id like to bring to your attention the following errors in my credit report. I am hoping to get some assistance from the CFPB, in accordance with the Fair Credit Reporting Act. Id like to request the deletion of these inaccurate accounts that are having a detrimental impact on my credit score and resultant interest rate costs : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX, account ending XXXX ( a ) Account Status should show Closed ; was paid as agreed ( b ) Available Credit {$0.00}. No late payments. 
( c ) Error in the record. I request CFPB assistance so XXXX, XXXX and Equifax would please remove this record. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a ) Duplicate account, and covered under number 1 above. 
( b ) This account was not Charged Off. 
( c ) Error in the record. I request CFPB assistance so XXXX, XXXX and Equifax would please remove this record. 

3XXXX XXXX XXXXXXXX, account ending XXXX ( a ) Account Status is incorrect. This account was not Charged Off. 
( b ) Monthly payments of {$150.00} from XX/XX/year> through XX/XX/year>, have been paid and are not reflected. There are no payments past due. 
( c ) Error in the record. I request CFPB assistance so XXXX, XXXX and Equifax would please remove this record. 

4XXXX XXXX XXXX, account ending XXXX ( a ) Account Status is incorrect. This account was not Charged Off. 
( b ) Monthly payments of {$200.00} from XX/XX/year> through XX/XX/year>, have been paid and are not reflected. There are no payments past due. 
( c ) Error in the record. I request CFPB assistance so XXXX, XXXX and Equifax would please remove this record. 

5XXXX XXXX XXXXXXXX, account ending XXXX ( a ) Account Status is incorrect. This account was not Charged Off. 
( b ) Monthly payments of {$450.00} from XX/XX/year> through XX/XX/year>, have been paid and are not reflected. There are no payments past due. 
( c ) Error in the record. I request CFPB assistance so XXXX, XXXX and Equifax would please remove this record. 

Thank you for your attention to this matter, and feel free to reach me by phone or email. Based on your determinations, Im happy to follow up with XXXX XXXX XXXX XXXX XXXXXXXX as well as the credit reporting bureaus. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: MO

Complaint narrative:
I was working at my computer and suddenly a picture popped up and my computer was frozen and locked. I tried to contact XXXX to correct, called the number and was immediately in trouble. The person wanted information from me in order to get the computer going. Yes, signals were going off in my brain but unfortunately, I moved ahead. They were able to access my XXXX XXXX account and remove {$980.00} from it. I did not see that until the next morning. I called XXXX and they were able to freeze my account. The scammer was able to open a Western Union account in my name and send {$980.00} to someone by the name of XXXX XXXX which is not a person that I know. I had to close my checking account, change all credit cards and freeze all three credit agencies. Western Union paid the receiver ( XXXX XXXX ) the {$980.00}. Now Western Union wants me to pay them back. I can attach a letter I received from Western Union this morning. They have contacted me several times. I do not believe I owe them this money because I was not responsible for passing this money on to the receiver. They should have known this was a scam, since you can see on the letter it went to XXXX XXXX XXXX. My XXXXXXXX XXXX fraud unit told Western Union it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Unless the creditor has adopted it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date. There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b.

Also 18 US code 8 states that the obligation of this day is already paid for by the United States. 12 CFR PART 1026.11 ( a ) CREDIT BALANCES. when a credit balance in excess of XXXX dollar is created on a credit account ( through transmittal of funds to a creditor and access of the total balance due on an account, the rebates of unearned finances charges, or insurance premiums, or through amounts, otherwise two or held for the benefits of the consumer ), the creditor shall : 1. Credit the amount of the credit balance to the consumers account. 2. Refund any part of the remaining credit balance within seven business days from receipt of a return request from the consumer. 3. make a good faith effort to refund to the consumer by cash, check or money order or credit to a deposit account of the consumer. Any part of the credit balance remaining in the account for more than six months no further action is required if the consumer current location is not known to the creditor and can not be trace through the consumers last known address or telephone number.

This creditor is in violation of 15 US code 1692 J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.

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 2024-07-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company
State: GA

Complaint narrative:
I took out this loan without fully understanding the interest cost that would be charged. 
I have paid the iriginal loan amount back in installment repayments. 
But cant get out of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: FL

Complaint narrative:
Hello, I have written Transunion several times stating I have Inquiries on my credit report that are fraudulent or identity theft for I never gave permission for these companies to run my credit report. Transunion writes back letting me know to validate my identity even after I send them plenty of proof as I will again today attached. Please inform them of my issue below. 

RE : INQUIRY REMOVAL While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize anyone employed by these companies to make any injury and view my credit report. In addition, i did not give Transunion permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you, Transunion to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2024-07-27 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: FL

Complaint narrative:
They have received the affidavit listing all of the legal violations of the Fair credit report act which are {$1000.00} per violation per their laws. They at this point have chose to default and not adhere to the legal statue and codes refusing me the legal remedy Im entitled to as a consumer Section 604 ( f ) prohibits any person from obtaining a consumer report form a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( XXXX ) for which the report is being obtained and certifies that he report will not be used for any other 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 non-monetary relief