vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 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: TX

Complaint narrative:
Back in XX/XX/XXXX I asked XXXX to remove the credit account from the my report after a long 2 months battle with XXXX, in one or more of XXXX writing they responded stating they would remove the account but would not returned the vehicle. I have file a small claim lawsuit in XX/XX/XXXX to address who the car belongs to and if it should have been returned. Currently there is no proof that I did business with XXXX also if the dealership made mistakes I should not be the one paying for it on my credit report. I have ask XXXX to remove this many times but still this is showing on my report.

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 2023-11-08 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: U.S. BANCORP
State: CA

Complaint narrative:
I requested balance transfer of {$1300.00} to pay off XXXX XXXX from US bank. The initial transaction had some issues so US bank told me they had canceled it and then I made another balance transfer of the amount {$1300.00}. The second time it was processed and the payment of {$1300.00} went through. Later I notice the first transaction was also posted to my account which I did not authorize and was supposed to be canceled. I called the usbank 5 times to get it canceled before it was posted and in all instances they assured me that it was canceled/stopped! Now XXXX XXXX has cashed the cheque, usbank is saying they cant reverse the transaction or credit. Ive talked to multiple people at usbank but received no solution. I just want the transaction and the fee charged with it taken off my account!

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 2023-11-08 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: MO

Complaint narrative:
Experian closing complaints and cheating me out of 17 months of on time never late payments to XXXX and here 's one from today on there own website

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 2023-11-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Essential Lending Inc
State: NJ

Complaint narrative:
Wise loans Sold my debt to XXXX XXXX in New York. They have been calling me and family members about serving me with a judgement if I dont pay them over XXXX. They have my current address and refuse to mail me any correspondence. They also wont give me their address. They said they will serve me with courts. They are also calling family members and friends from a number that cant be called back. Harassing messages are being left. XXXX number is ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: RI

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : 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 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. 

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 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 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Chronological order of events : 1. In XXXX XXXX sold to XXXX group. I opted to not continue with XXXX bank and the account is closed and a check was issued XXXX XX/XX/XXXX ( {$200.00} ). A few days later I did an E-deposit at my bank Wells Fargo and within days funds are in my account. 
2. XX/XX/XXXX ( 9 months later ) the check is posted again at another financial institution ( See attached copy of deposit and look at the 2 different signatures ). Apparently, XXXX disputes this " double deposit '' with Wells Fargo. 
3. XX/XX/XXXX Wells Fargo informs me that {$200.00} has been removed from my account due to a " double deposit '' ( no record of a double deposit in my account, as this was verified through my history of deposits ). This is the XXXX # : XXXX. 
4. For next 7 weeks I dispute this with Wells Fargo, all the way to the office of the Administrator, and last person that said a " group '' had reviewed my case ( Escalation department - XXXX XXXX XXXX, XXXX ) and XXXX XXXX stated I had no other recourse with Wells Fargo, that the problem was with XXXX bank. Wells Fargo is not looking after my interest. Wells Fargo was the XXXX and should have resolved the problem to my favor. 
6. XX/XX/XXXX I contacted a different department at Wells Fargo, claiming fraud, either by Wells Fargo, intermediary or XXXX bank. New case # : XXXX. Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX Fax : XXXX XXXX. I have contacted XXXX XXXX and they have opened a fraud investigation, but 5 months later, they too have not resolved. ( Case # XXXX. Contact : XXXX XXXX. 
8. XXXX XXXX, Wells Fargo determined there was no error on their part, even so 2 different signatures and deposits were made and they decided not to honor the first deposit ( my deposit done days after receiving the check ). Their investigation was textbook shallow without any intent of rectifying. Chronological evidence was presented but they still overlooked all the facts. 

I hope this gets resolved. I personally think someone either from Wells Fargo, the " private clearing house '' or XXXX bank " acquired '' my digital photo of the check and waited some time to " fraudulently '' redeposit at a later date. Or maybe just some glitch. Either way, I am minus {$200.00}. This was the only time I ever have made a digital e-deposit and I will never, ever do it again! 
Wells Fargo has acted very unprofessional and did not do a thorough investigation, swept the problem under the rug. It is obvious that Wells Fargo dropped the ball, did not pursue this and found the easy way out at the expense of the client. 

Here are 6 attached documents related to this problem. 

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 2023-11-08 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: NY

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

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 2023-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XX/XX/2023 -- -- -- On XX/XX/2023 I deposited a check into XXXX XXXX XXXX XXXX at the Wells Fargo Bank in XXXX Nevada XXXX in the amount of {$60000.00}. The check was for the renovation project on the home. After a month has gone by XXXX XXXX XXXX XXXX has not honored their agreement. In contact with XXXX XXXX XXXX first, he claimed that the funds were not in his account and then he said the Wells Fargo Bank had a hold on the funds that were deposited into his account. I contacted again and XXXX told me that Wells Fargo Bank has a freeze on his account and is under investigation. 
I've contacted my bank XXXX  Bank in XXXX Nevada to try to retrieve the funds back from Wells Fargo Bank and they told me that the funds have already been paid to the XXXX account at Wells Fargo Bank and they could not retrieve the funds back from Wells Fargo that XXXX and Wells Fargo would have to send them back to my account. 

I have contacted Wells Fargo Bank to try to resolve the issue and they acknowledge the receipt with a case number and after a number of telephone conversations with them, they told me that they couldn't help me get the funds returned to my XXXXXXXX XXXX  account. 

I can provide a copy of the check and deposit receipt. Also, the case number from Wells Fargo Bank is 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 2023-11-08 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:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Delete this account. 
3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

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 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.

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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I can not access my credit report and any updated information on my file through your website. I am sending supporting documents to confirm and verify proof of Identity. Thank You.

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 2023-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
I previously filed a complaint against PHH Mortgage pertaining to the fees on my account that never should have been on my account from the beginning because my home was not in foreclosure in XXXX. The company finally admitted that they lost my check. They sate, " our cashiering department has removed all foreclosure fees and expenses assessed during XX/XX/XXXX through XX/XX/XXXX... you are not responsible for paying '' they removed {$2200.00} in fees but state that the remaining miscellaneous fees of {$3100.00} are valid. I dispute the validity of these fees and I have noticed that they are also inaccurate because each month that I get my mortgage statement, the fees are showing as {$13000.00}!!!!! Past unpaid amount of {$8800.00} Assessed Expences {$3300.00}. These amounts are preposperous, and ever since this company has taken over my account they have been trying to defraud me in one way or another. I demand to have these fees removed! I need to refinance my house from a really bad modification during the XXXX  XXXX and i can't do anything with these unsubstantiated amounts of monies claimed to be owed. I would like to know where these fees came from when the end of my last complaint, the company claimed that I owed about XXXX. This is causing me a great deal of stress and I can not communicate with this company. In fact, the most information that I ever had was when i filed a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: NJ

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : 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  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. 

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2023-11-08 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be on there. 

I demand the below accounts deleted from my consumer report immediately : XXXX XXXX XXXX XXXX - CHARGE OFF $ XXXX The reporting of this account is violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ]. I paid off the vehicle and have the certificate of tittle in my possession proving the vehicle is paid off. I demand complete removal of the account as a charge off and reflect proper paid off comment in full. this has affected greatly my consumer reports and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: NRA Group, LLC
State: TX

Complaint narrative:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

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