vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
My daughter was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX Utah ) for a major health event. I cover her health insurance and made sure to contact the billing department early and provide documentation that myself and her dad ( who are separated ) are both legally responsible to pay XXXX of all her bills. As such, billing was split accordingly- although this took repeated effort. I maxed my out-of-pocket and paid all bills owed on my account for her. XXXX XXXX Billing office has record of this and confirmed this recently. They also noted that I was paid in full and the balance remaining was due from my daughter 's father. I have received no medical bills since XXXXXXXX XXXX XXXX I received XXXX individual bills from a collection agency, Express Recovery Services XXXX Inc. in my name for what appeared to be my daughter 's dads ' bills. I called XXXX XXXX billing and they noted that I was paid up and they weren't sure why the credit agency had sent me the bills. The notes that they had access to ( Express Recovery Services ) showed that I had paid my balance back in XXXX. The credit agency had been unable to collect from my daughter 's dad and so decided, I guess, to go after me - despite knowing, having written documentation from the hospital billing office, that I had already paid my balance. This is completely unethical. I called the credit agency right away and explained that I didn't owe anything, had paid in full, and would be contacting XXXX XXXX billing to discuss the matter. I also noted that I intended to reach out to my attorney about the matter because I was so tired of dealing with the issue. To date, since that initial conversation back in XXXX, I have not heard from them ( credit agency ). However, given the egregious nature of this action by Express Recovery Services, who sought me out on their own and not at the request of XXXX XXXX, I strongly believe there should be some action against them. This was an effort to intimidate me into paying for my ex 's bills probably because they knew I did pay my bills. I suspect they've done this to other people who are divorced/separated from their former partners. If I had the funds, I would sue them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
The debt is from a house are used to own. I got a divorce and the judge awarded the house to my x wife. I did a quit claim deed and the debt was taken off my credit report back in 2021 and now its back on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: NC

Complaint narrative:
After reviewing my credit report, I spotted some inaccurate late payment accounts that need reporting and correction through your company. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
After reviewing my credit report, I spotted some inaccurate late payment accounts that need reporting and correction through your company. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.

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 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX on XXXX I noticed a transaction and fraudulent activity was sent to me. I called Wells Fargo and they told me 10 business days until I can receive my fund back since I did not authorize this transaction. The XXXX that was taken from me was from XXXX the government to help with rental assistance from hurricane Idalia flood. My family and I lost everything. Wells Fargo is now telling me today that its not looking good in my favor and I have to wait another 10 days. Im very disappointed as this money was from XXXX to help us and Im now struggling day by day and Wells Fargo still has not refunding the XXXX due to it coming from my XXXX XXXX XXXX account. I spoke with XXXX and they told me to wait another 10 business days that I do not have time for. I just got confirmation I have 30 days to move out and now Im a mess that I think I have lost {$4000.00} from my bank Wells Fargo. Please help, I am begging for someone to hear me and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have requested for the companies to remove/delete a bankruptcy that is erroneous. I also requested for the company to provide detailed information on the process that they verify these types of accounts because its an error. The company has not deleted/ removed this from my report causing me a lot of financial damage.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have missing address history in my Equifax credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
XXXX now named Aidvantage has been sent security notices and request for Master Promissory note was not honored. Sent to both XXXX Student Loan Trust XXXX in c/o XXXX XXXXXXXX XXXX XXXXXXXX XXXX and Aidvantage XXXX Student loans are affecting my credit report and they are in violation of FERPA, CFPA XXXX FCRA, and FDCPA in accordance federally protected consumer rights so they need to be removed from all third party credit reporting agencies XXXX, XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Need them accounts removed.

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 2024-01-05 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: WI

Complaint narrative:
I sent mulipty dispute letters and this company is not following your rules. I want a full investigation on the following : XXXX XXXX XXXX {$850.00} and XXXX {$0.00} I am concerned about the validity and accuracy of their recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!

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 2024-01-05 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I was called via a spoofing scam in early XXXX. The number on my phone showed up as Wellsfargo. It was someone saying they were with the bank ; they confirmed all of my account info, balances and last transactions. They told me someone had stolen my credit card and had committed fraudulent charges. The last thing was that someone had initiated a wire for XXXX and in order to reverse it I had to wire the money back to myself ( this did not make sense to me but I trusted that they were from the bank ). They had put in a fake " XXXX XXXX '' wire recipient that was actually their own account. 
I completed the wire for XXXX and two hours later contacted Wellsfargo to check in on my " fraud ''. 
They said there was no fraud on my account but that the person I wired money to was actually the criminal. 
I asked that they freeze the wire immediately. 
I called dozens of times that day to confirm they had cancelled it and a week later found out they did not even try to contact the recipient Bank ( XXXX XXXX XXXXXXXX ) until XXXX that day ( over four hours after I called them ). 
They have denied my reimbursement requests and have said this was my fault because someone found out my password ( no one knows my password, somehow this account was breached and I was not notified by Wellsfargo ). 

Today, I found this article in which these people were victim to the exact same crime ( instead of XXXX, mine was a bank wire ) and they were eventually reimbursed : XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I found this ( I have also filed a complaint with the CFPB ) In a XXXX ruling, the Consumer Financial Protection Bureau ( CFPB ) that oversees financial policies and regulations clarified their position that the Electronic Fund Transfer Act of XXXX, known as Regulation E ( " Reg E '' ) that " if a third party fraudulently induces a consumer into sharing account access information, '' that consumer should receive the same protections as if the money were acquired from a stolen debit card or other banking access device. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-05 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: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On or around XX/XX/2023, I received an adverse claim/ letter of denial from American Express denying me an extension of my credit which is a prohibited act constituting discrimination according to 15 USC 1691 and 12 CFR 1002.7 a creditor shall not refuse to extend credit. And according to 15 USC 1611- Criminal liability for willful and knowing violation ( 1 ) Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

And According to 12 CFR 1002.16 ( b ) ( 1 ) Any creditor that fails to comply with the requirements is liable for punitive damages up to {$10000.00} for individuals.

I then proceeded and mailed a Notice of Federal Violations to the CFO and to the address on the face of the denial letter.

Application Reference # XXXX See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
Wise stated they were changing my account details and that my old details would be valid until XX/XX/2023 on XX/XX/2023. 

On XX/XX/2023, I had 3 debits initiated with the and my rent payment was cancelled without cause or warning. 

On XX/XX/2023, I reached out to Wise for clarity and compensation for the fees accrued by this lack of follow through. 

On XX/XX/2023, I received a message from a complaints officer stating that they have acknowledged my complaint and that a final response will arrive by XX/XX/2023. 

I have reached out on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for information to no reply. 

I was charged XXXX USD for this mistake/error by the company.

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

Complaint narrative:
In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company.

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

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 2024-01-05 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: OR

Complaint narrative:
On XX/XX/XXXX I received the following message from XXXX, but they continue to report to all three credit reporting agencies that I still have a balance owed. When I check my account at XXXX it shows XXXX balance. 

Your XXXX loans have been forgiven. 

Please log in to your inbox at XXXX to view the full message. 

XXXX, Congratulations! The Biden-Harris Administration has forgiven some or all of your federal XXXX  loan ( s ) with XXXX in full. 

This debt relief was processed as part of the Biden-Harris Administrations one-time account adjustment because your XXXX loan ( s ) have been in repayment of at least 20 or 25 years. An adjustment to your account updated the number of payments that qualify towards income-driven repayment ( IDR ) forgiveness. This forgiveness is effective as of XX/XX/XXXX. 

Log in to your account for details at XXXX. 

WHAT YOU NEED TO KNOW Here are some important points on this IDR forgiveness : Due to the American Rescue Plan Act of 2021 the balance of your loans that were forgiven is not considered taxable income for federal income tax purposes. Since state and local tax implications will vary, we recommend you contact your tax advisor for more information. 
Not all your federal XXXX loans may be listed in the letter delivered within your account as you may have begun repaying each loan on a different date. If you have federal student loans that are not listed in the letter, please continue to make payments on them. Payments are not required until after the payment pause ends at the end of XXXX. Your first payment will be due in XX/XX/XXXX. To find options to help with repayment, visit XXXX. 
We have notified, or will notify by the end of the month, all national credit bureaus of your XXXX  loan forgiveness. 
If applicable, well process a refund for any payments made towards the loans listed above after the effective date of this forgiveness. 
NOTICE : This letter is NOT an attempt to collect a debt or a demand for any payment. 

BEWARE OF SCAMS You might be contacted by a company saying they will help you get loan discharge, forgiveness, cancellation, or debt relief for a fee. You never have to pay for help with your federal XXXX aid. Make sure you work only with the U.S. Department of Education and their loan servicers ( like us ), and never reveal your personal information or account password to anyone. Our emails come from XXXX or XXXX. Emails that the U.S. Department of Education sends to borrowers come from XXXX, XXXX, or XXXX. You can report scam attempts to the Federal Trade Commission by calling XXXX or by visiting XXXX. 

HOW TO CONTACT US For information regarding your XXXX loans and the forgiveness process, please contact us at XXXX, or online at XXXX. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief