vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I, XXXX XXXX and my XXXX XXXX XXXX XXXX has been doing business with XXXX XXXX XXXX for over twenty years. An email from the owner ( XXXX XXXX ) stated in an email that the company had changed the receivable procedures and requested that I send a wire transfer for the balance of {$21000.00} owning on the XXXX XXXX. I had obtained a XXXX XXXX XXXX to satisfy this payment because the client still had not paid their receivable to me. 
The request was a follows : Beneficiary Name ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX Wells Fargo Bank, XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX Routing Number XXXX Account Number XXXX The wire was sent on XXXX from XXXX Wells Fargo XXXX XXXX XXXX to the Wells Fargo bank listed above : Amount {$20000.00} Fees {$25.00} Send on XX/XX/XXXX Deliver by XX/XX/XXXX Message to recipients bank : XXXX XXXX dollar wire transfer fee deducted from total due Status Pending Confirmation : XXXX On XX/XX/XXXX, I called XXXX XXXX XXXX enquire receipt of the funds. He never got them because the email was fraud : XXXX. There was an extra T in his email address. This was a compromised email address. 
There are the following reports filed : XXXX, Police report XXXX REPORT : XXXX The FBI ARE ALSO NOW INVOLVED WITH THIS Wells Fargo has XXXXdvised that my funds were taken by a mule monier, and the wells fargo bank could obtain a refund of the {$20000.00} from the beneficiary bank. 

MY COMPLAINT IS THAT THIS WIRE WAS FROM A WELLS FARGO ACCOUNT TO A WELLS FARGO FRAUD ACCOUNT, AND WELLS FARGO SHOULD HAVE CAUGHT IT! 
XXXX XXXX XXXX  OPERATES THEIR BUSINESS FROM A WELLS FARGO ACCOUNT. 

THE Wells Fargo BANK HAS INSURANCE FOR THIS, AND I AS A CUSTOMER FOR 30 YEARS, WAS NOT REIMBURSED FOR SOMETHING THEY SHOULD HAVE CAUGHT.

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 2023-11-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: VA

Complaint narrative:
I am receiving what appears to be legitimate emails from chine.com that someone opened account ( s ) in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: FL

Complaint narrative:
I HAVE ATTEMPTED TO HAVE THIS ACCOUNT REMOVED FROM EXPERIAN. THE PREVIOUS ATTEMPTS TOOK OVER 30-DAYS TO REPLY, WHICH VIOLATES MY RIGHTS UNDER FCRA. 

THE FOLLOWING ACCOUNT HAS NOT DOCUMENTATION IN MY NAME OR SIGNATURE AUTHORIZING THEM TO REPORT ON MY CREDIT. 

ACHIEVE PERSONAL LOANS THE FOLLOWING ACCOUNTS CONTINUE TO REPORT INCORRECTLY AND RESPONSES FROM MY PREVIOUS DISPUTES EXCEEDED 30-DAYS, WHICH VIOLATES MY RIGHTS UNDER FCRA. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IF ALL THESE ACCOUNTS ARE NOT REMOVED UNDER THE FCRA, I WILL HAVE NO OTHER CHOICE BUT TO SEEK LEGAL ACTION.

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 2023-11-18 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: GA

Complaint narrative:
On XX/XX/23 I wrote to all three credit bureaus, XXXX, Equifax, and XXXX, to let them them know I know longer am giving them permission to report the account by the name of XXXX XXXX XXXX on my credit report. Well I just checked my credit report and it is still showing on my credit report for all XXXX bureaus. 15 U.S. Code 1681b ( a ) ( 2 ) states that - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. Therefore, I am taking advantage of this law letting the bureaus know I do not give them permission to report this account on my credit report. I am including copies of the dispute letters that were sent on XX/XX/23 for proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 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: GA

Complaint narrative:
On XX/XX/23 I wrote to all three credit bureaus, XXXX, XXXX, and Experian, to let them them know I know longer am giving them permission to report the account by the name of XXXX XXXX XXXX on my credit report. Well I just checked my credit report and it is still showing on my credit report for all XXXX bureaus. 15 U.S. Code 1681b ( a ) ( 2 ) states that - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. Therefore, I am taking advantage of this law letting the bureaus know I do not give them permission to report this account on my credit report. I am including copies of the dispute letters that were sent on XX/XX/23 for 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 2023-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am not a customer of Capital One and its affiliates. But I have been receiving unsolicited credit card offerings from Capital One and its affiliates for years which disturbs a lot and I want it to stop. Over 1 month ago, I called Capital One customer service to stop. During that time, the representative promised the marketing will stop. But the Capital One and its affiliates ' offers still come to my mailbox. 

The opt-out service, a robo-phone service provided in the offers is also a sham. I called for XXXX mins but the service can not recognize my address and can not proceed to implement my opt-out. 

Please STOP harrase me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I disputed an erroneous collections remark from XXXX via Experian online for a lease account I had from XXXX. Within the same day, XXXX completed their review allegedly and instead of providing any information regarding the dispute, they added new collections remarks for XX/XX/XXXXXXXX  and XX/XX/XXXX. 

This account was paid in full and closed XX/XX/XXXXXXXX  and a new lease agreement was in effect. The first collections remark was added on XX/XX/XXXX. How is that possible when this account was paid in full and a new lease agreement had started the same day ( XX/XX/XXXXXXXX  )? Even if the remark was correct ( it's not btw ), how would it go into collections that fast? Did the 30,60, 90 day remarks not apply? I've still yet to receive any documentation of the debt in question. 

I currently have another lease account that is scheduled to expire XX/XX/XXXX. Although the current account has been paid as agreed and on-time, I believe that XXXX is confusing the two accounts and\or adding derogatory remarks haphazardly. I have not received any notices of what I owe, what the debt is for and why it is now in collections status. 

My current lease originally expired on XX/XX/XXXX. However, it was extended by XXXX until XX/XX/XXXXXXXX  to allow for my new car to be delivered to the local dealership. That should not have resulted in any sort of collections remarks on my Experian credit report on either XXXX account listed. The dates in question coincide with the dates that my current lease was extended. Again, this should not have resulted in anything other than " paid as agreed '', not " collections ''.

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 2023-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
From inception of the mortgage, finance company has been allowing XXXX XXXX XXXXXXXX of the XXXX family to unlawfully credit their account with FRNs. XXXXXXXX XXXX XXXXXXXX of the XXXX family is not of the federal reserve & does not have the qualifications to use sed notes, including rendering down payment in addition to the monthly mortgage notes for sed property from XX/XX/XXXX. 

The Correct tender has been sent to said party to correct for set off XX/XX/XXXX Letter of Instructions were registered mail to Ocwen Financial Corporation Headquarters XX/XX/XXXX 1099a filing to the IRS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: Credit Technology, Inc.
State: NV

Complaint narrative:
I have no knowledge of these hard inquires showing on my account. The hard inquires are a result of an identity theft and it must be removed. as per 15USC 1681 C2. 

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

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: CORELOGIC INC
State: NV

Complaint narrative:
I have no knowledge of these hard inquires showing on my account. The hard inquires are a result of an identity theft and it must be removed. as per 15USC 1681 C2. 

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

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 2023-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
Hello, I have requested for deletion of this debt several times and have been denied several times. The information that was provided to me does not match my information. I am able to provide photo ID or my birth certificate to prove that the information is incorrect. Therefore it is not mine. I need this gone please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: FL

Complaint narrative:
I am writing to formally dispute inaccuracies in my credit report related to four closed accounts with DEPT OF ED/XXXX Upon reviewing my credit history, I have identified discrepancies between the reports of XXXX and those of XXXX and Experian. 

XXXX accurately reflects that I was " paid as agreed '' in XX/XX/2017 for the mentioned accounts. However, both XXXX and Experian incorrectly report a 90-day past due status for the same period, which I believe constitutes a significant error and a violation of the Fair Credit Reporting Act ( FCRA ). 

To substantiate my claim, I have enclosed a PDF document containing five pages. These pages highlight pertinent information such as account numbers, open dates, high balances, and detailed payment histories. The mentioned accounts are clearly outlined in the enclosed PDF for your reference. 

Additionally, I have included instructions to facilitate a clear understanding of the reported mistakes. I kindly request an immediate update of the four closed accounts with DEPT OF ED/XXXX on XXXX and Experian to reflect the accurate status of " paid as agreed '' for XX/XX/2017. 

Per the FCRA, I understand that credit reporting agencies are obligated to conduct a thorough investigation within 30 days of receiving a dispute. I anticipate your prompt attention to this matter and request written confirmation of the resolution, along with an updated credit report reflecting the corrections. 

Should you encounter any difficulties verifying the inaccuracy of the reported late payments, I insist on the removal of all four closed accounts from my credit report. 

Thank you for your prompt attention to this matter. I trust that you will address this dispute with the requisite diligence and adherence to the FCRA guidelines.

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 2023-11-18 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: NV

Complaint narrative:
After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent inquiries. Someone stole my identity and generated fraudulent inquiries in my name. 

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These inquiries should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY! 

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 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: FL

Complaint narrative:
I WAS JUST INFORMED OF A HARD INQUIRY, I DID NOT AUTHORIZED. 

XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
My Experian credit report is showing a 90 day late payment for XX/XX/2018. However, my student loans were in deferment at that time. Also, the 90 days before the 90 day late remark are showing " current\terms met ''. How can the account be 90 days late, if there was never a 30 or 60 day late mark?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a total of nine charges, nearly amounting to {$800.00}, which were fraudulent and made using my card in XXXX, CA, and XXXX, DE. Strangely, these charges displayed only a string of numbers ( e.g., XXXX... ) with no merchant names. After disputing these charges with Wells Fargo, they initially closed the claim and promptly issued a refund within a week. However, a few weeks later, Wells Fargo sent me another letter asserting that their investigation was concluded, and they confirmed that I made these charges with my card and PIN, even though I've never been to those locations. When I tried to dispute this, it took over 3 days of being on hold multiple times with no response. Finally I was able to speak with a Wells Fargo rep and they insisted that the charges were made by a company I had used before, and they refused to reconsider their decision, abruptly ending the call and suggesting I file a police report. Frustrated, I contacted the company they claimed was responsible for the charges, but they had no record of any such transactions. I have no way of disputing these charges Attached are the fraudulent transactions from my account and my correspondence with the company XXXX clearly stating that they do not have record of these transactions

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 2023-11-18 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: MS

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

XXXX XXXX XXXX : XXXX, XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I had a balance with cash app and it disappeared. I contacted cash app and they denied my dispute even though I had nothing to do with The disappearance of the balance in my account. in other words they just took my money deliberately. And there's nothing I can do about it they say.sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
In XX/XX/2023 Chase arbitrarily reduced the credit limits on my XXXX credit cards. This eliminated over XXXX from my available credit and drove my credit utilization up to almost 70 % in a single day resulting in a nearly XXXX point drop on my credit score driving me into a poor range putting me at risk for negative repercussions from other lenders. 

In addition Chase dropped my credit limit below the current balance on one card, ending in XXXX, below the current balance putting me over the limit on that card which i think is against the law. This resulted another ding on my credit report after the initial hit from the reduced limits. 

I called the bank and they gave me normal generic justifications. Then asked me why I had increased the usage of my card ending in XXXX over the past 6 months. I increased usage because the bank offered me an unsolicited very low promotional APR during that period. Basically they used my response to their promotion in part to penalize me. 

Nothing has changed in my income, credit lines, payments to justify the reduction. It is a financially damaging situation dropped on my by the bank. I understand it is no fully illegal but it should be. No business should have the power to arbitrarily take actions that will result in financial harm to an individual that has maintained a good standing in their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: IL

Complaint narrative:
I have previously disputed, the XXXX XXXX XXXX XXXX Bankruptcy dated XXXX XXXX, XXXX  ; Reference # XXXX with you the credit report agencies and in response you the credit reporting agency verified the item as accurate stating that you have " verified the information with the court ''. The courts do not report to credit report agencies ever or any credit bureau for that matter ; It is fact that public record of a bankruptcy showing up on a credit report makes the report, false reporting, and a violation of the Fair Credit Reporting Act, FCRA 611 ( 15 U.S.C. 16811 ). Therefor Trans Union 's, XXXX 's, and XXXX 's original response asserting verification of the item with the court is an error, a violation of FCRA, and or a lie too, In each instance, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ) and the information must be deleted immediately unquestionably.

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