vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have been a member of Wellsfargo bank for 5 years with out any incident. I added my XXXX XXXX too my account and became XXXX on his acct but since I am the adult it is in my name. My son was scammed and tried to deposit checks into his account that were not real. I had no idea this took place until I received a letter stating a check for {$6700.00} had tried to be deposited on XX/XX/XXXX using a Wellsfargo atm. Upon discovering this I immediately called the bank to find out what was going on. I was informed that all 3 of my accounts were being closed not just his account. The reason for closing my account is that Wellsfargo alleged my login credentials were used to deposit these checks. There is no way this is possible. I have a XXXX XXXX set up on my Wellsfargo app so noone can get into my app on my phone but me. These checks were not deposited into my accounts but into my sons. Wellsfargo alleged that I used my mobile app on my phone to make 2 of these deposits however they said the location of the deposits being made were in Pennsylvania. I live in XXXX XXXX XXXX hours away this occurred on XXXX  I was at work so there is no way I was in XXXX Also there is no trace of any mobile checks being made from my phone. I went into a branch and a person banker looked in my app and couldnt find any deposited checks via the mobile app. The 3rd deposit was made using a local Atm once again my debit card wasnt used to make this transaction my son used his debit card linked to his account. By there on admission they are only closing my accounts because my information was allegedly used. However just as I explained this was not possible. This has caused me hardship bc of my funds being held, my paycheck not arriving on time, and because my account is being closed due to fraud its making it hard for me to find another bank. I am a victim of fraud however I am being treated like a criminal. Every time I call to resolve this. I am being bounced from dept to dept, being told different things and with no real resolution other than my acoounts being closed. Wellsfargo did not properly research these issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The contract states that if a big payment is made it will be applied. You did not do this and breached the contract. U did apply it all as a payment to reduce principal per contract terms but then stole over {$20000.00} and falsely made it look like there were payments made into XXXX. U r in breach. Ur theft of the money does not make those payments an accurate report on my credit file. Your theft and later ur inaccurate credit reporting is just more evidence of your breach and criminal theft. That money needed to be applied as 1 payment to reduce principal and u failed to do that. It is an inaccurate report on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: CA

Complaint narrative:
The contract states that if a big payment is made it will be applied. You did not do this and breached the contract. U did apply it all as a payment to reduce principal per contract terms but then stole over {$20000.00} and falsely made it look like there were payments made into XXXX. U r in breach. Ur theft of the money does not make those payments an accurate report on my credit file. Your theft and later ur inaccurate credit reporting is just more evidence of your breach and criminal theft. That money needed to be applied as 1 payment to reduce principal and u failed to do that. It is an inaccurate report on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: TX

Complaint narrative:
Ive been monitoring my credit since XXXX. With the assistance of your credit monitoring. I purchased my home using Equifax services in XXXX 

Now in XXXX Im finding some serious discrepancies in your monitoring & credit scores. 

They appear racially motivated. My credit score dropped XXXX XXXX  this month after decreasing my debt to credit ratio over 20 %. My debt overall decreased nearly XXXX in the last 2 months & my score continues to decrease. The explanations further puzzle me as they are always positive but the score goes negative. 

Now I sold my house in XXXX XXXX am trying to get a new mortgage in a new city & my credit score is lower than its been when I hade derogatory items XXXX finding this is the case with both Equifax XXXX XXXX. 

Are you using my demographics to discriminate against me & keep my score low to keep me from owning a home? Looks that way. Real Estate has always been the way to shut XXXX out of the American Dream. Anytime we start owning homes the rules change. 

This appears to be the same thing in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: AL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: TX

Complaint narrative:
Ive been monitoring my credit since XXXX. With the assistance of your credit monitoring. I purchased my home using XXXX XXXX XXXX XXXX 

Now in XXXX Im finding some serious discrepancies in your monitoring & credit scores. 

They appear racially motivated. My credit score dropped XXXXXXXX XXXX this month after decreasing my debt to credit ratio over 20 %. My debt overall decreased nearly XXXX in the last 2 months & my score continues to decrease. The explanations further puzzle me as they are always positive but the score goes negative. 

Now I sold my house in XXXX & am trying to get a new mortgage in a new city & my credit score is lower than its been when I hade derogatory items Im finding this is the case with both XXXX XXXX TransUnion. 

Are you using my demographics to discriminate against me & keep my score low to keep me from owning a home? Looks that way. Real Estate has always been the way to shut XXXX out of the American Dream. Anytime we start owning homes the rules change. 

This appears to be the same thing 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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: FL

Complaint narrative:
This account was oppen sometime earlier this year. It took about 3 or 4 months for me to catch it. I immediately contacted Discover. They notified whomever opened the account and I assume could not make contact. The account was closed immediately do to not being able to actually ID THE person who opened the account. Discover deemed they had not enough proof of if identity and shut it down. This was removed from my XXXX  and XXXX reports. For some reason I'm getting a lot of trouble removing it from XXXX. The account was literally closed by Discover for not being able to identify the owner. MORE PROOF IT WAS NOT ME THAT OPENED THIS. THIS NEEDS to please be removed until Discover can provide actually proof of ownership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: MD

Complaint narrative:
My original student loan servicer was Nelnet. My loans were paid and XXXX took over my federal student loans in XX/XX/2023. I contacted Nelnet after checking my credit report months ago and disputed through XXXX twice now. On XX/XX/2023 and again on XX/XX/2023. On XXXX shows my total debt to be XXXX which is incorrect. Nelnet needs to submit that I no longer have any student loan balances with them which they have failed to do on both disputes to XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, I XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 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. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MD

Complaint narrative:
XXXX XXXX XXXX I received a debit card from Chime that I never signed up and opened. Then I started to receive emails from Chime. Then on XXXX  I received several emails that I sent XXXX to people I don't recognize and know. On XX/XX/ I called Chime and asked them to investigate and close the account by providing them with my email address and the account number on the card I received. I informed Chime that I never opened this account. They closed the account and sent me an email confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: PA

Complaint narrative:
I XXXX XXXX XXXX have fraudulent account and increase appearing on all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: PA

Complaint narrative:
I XXXX XXXX XXXX have fraudulent account and increase appearing on all three credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
Went to XXXX website to obtain my report and was unable to get it. Logged in, but system keeps kicking me out.

Statute of limitations has expired on XXXX XXXX XXXX XXXX XXXX RTN/ACCT # : XXXX / XXXX. This has to be deleted. 

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX are not my address delete address off my report. 

My address is XXXX XXXX XXXX, XXXX PA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
You report inaccurate debt information to my credit file. Please stop. Per terms of the contract there was a surplus of escrow funds for a year. The escrow was canceled XX/XX/2022 prior to purchase and XX/XX/2022 after purchase. But u continued to illegally hold escrow money and breach the contract by not refunding that amount to me. U are a thief and criminal. XXXX breached and then published inaccurate info on my credit file like its not illegal. It is illegal. It is in dispute. I beg u to stop reporting fake info on my credit file. The payment per month was NEVER with escrow. Please stop. No escrow payment is {$2100.00} not {$2700.00}. U stole that money from me for a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: CA

Complaint narrative:
You report inaccurate debt information to my credit file. Please stop. Per terms of the contract there was a surplus of escrow funds for a year. The escrow was canceled XX/XX/2022 prior to purchase and XX/XX/2022 after purchase. But u continued to illegally hold escrow money and breach the contract by not refunding that amount to me. U are a thief and criminal. XXXX breached and then published inaccurate info on my credit file like its not illegal. It is illegal. It is in dispute. I beg u to stop reporting fake info on my credit file. The payment per month was NEVER with escrow. Please stop. No escrow payment is {$2100.00} not {$2700.00}. U stole that money from me for a year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, I XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 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. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Stop reporting fake false wrong info on my credit reports. Debt is NOT paid off. There is no proof. There is no payoff letter or statement. I asked for a payoff letter on my loan portal. But XXXX has not provided a payoff document. Even my payoff request says its still a debt held by XXXX until they get the money. No money was ever transferred for this contract. XXXX reports a fake false wrong XXXX balance because the debt is not paid yet. Please stop reporting fake false lies on my credit file. U r doing it to hurt me and its working. I beg u to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: CA

Complaint narrative:
Stop reporting fake false wrong info on my credit reports. Debt is NOT paid off. There is no proof. There is no payoff letter or statement. I asked for a payoff letter on my loan portal. But XXXX has not provided a payoff document. Even my payoff request says its still a debt held by XXXX until they get the money. No money was ever transferred for this contract. XXXX reports a fake false wrong XXXX balance because the debt is not paid yet. Please stop reporting fake false lies on my credit file. U r doing it to hurt me and its working. I beg u to stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Received by mail visa debit card with paperwork thanking me for opening this account. I did not open the account. I have contacted Credit Karma 3 times to close and investigate this use of my personal information. Three times they have referred me to their special team who would be getting back to me by email, which I provided and was verified by their agent. 2nd time I called back since I never received an email from them, I was told the case had been closed since my email was invalid. How can that be? They verified it. They had no response to this and started a new inquiry. Its been a day and a half, still have no email yet. I have been checking my email multiple times, along with my spam folder. This morning, I found on their website a location to send a complaint, XXXX hours ago, nothing yet. To me this is very poor customer service! 
I have filed a report with identity theft.gov and frozen my credit with the XXXX credit bureaus. Want to close this unauthorized account before it creates problems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 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: CA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 2023-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I went to the gas station to get gas using my Chime card and it was declined twice and I was told that I had to wait 24 hours to get my refund. I waited 24 hours and the next day I XXXX searched Chime customer service number and called. I believed that I was speaking to a representative. The person had me download an app called XXXX and that he needed to visually see the transaction, And to confirm that there was nothing wrong with my account. I was sitting right beside my wife and he requested {$250.00}. From her for " URGENT NEED ''. He shifted numbers and a few dollars around for a few minutes saying that there didn't appear to be anything wrong with the account, then took everything out of my savings account switched it to my checking account and was gone. I've filed 5 complaints regarding this matter with Chime and they see nothing wrong however they can see that I never made that transaction or authorized any such transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-04 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: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
This company I had been with for years has went into my account and checked my information and denied me for credit. They call me all the time once I got them caught up from loosing a job in XXXXI don't want this company checking anything on me, my account is supposed to be froze and they still got into after the fact I said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
This company I had been with for years has went into my account and checked my information and denied me for credit. They call me all the time once I got them caught up from loosing a job in XXXX.I don't want this company checking anything on me, my account is supposed to be froze and they still got into after the fact I said no.

Company response to consumer: Closed with explanation