vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This is my fourth complaint on Wells Fargo Wells Fargo 's really needs to stop the abuse I will be attaching information to show that Wells Fargo 's is not being accurate with the information that they're being told to the customer 's meaning a transaction that was already posted for some reason now is pending overdraft fee I overdrafted my account on a Saturday I am aware of the overdrive the overdraft was {$800.00} now all of a sudden all these old transactions that was already pending and paid for are now impending mode to be charged overdraft fee this bank is very abusive they do not care about the people they just care about the money and robbing people the reason I say that is cuz this is an ongoing thing I have overdraft protection for a reason for protection the {$800.00} that I took out of the ATM withdrawal was for my protection cuz I had to pay one of my bills I do not have a problem in paying {$35.00} for {$800.00} overdraft that I agree that I did but I do have a problem in paying {$35.00} multiple times on transactions that have been posted into my account when nothing pending also I noticed that I did some transactions and the transaction comes out and it says that it will be posted on the XXXX the transaction was done on the XXXX of I'm a mistake this is the crime that Wells Fargo 's done and hopefully the federal government will investigate them and see that I'm I'm not the only customer that has complained about Wells Fargo 's I have seen a lot of articles about Wells Fargo 's and the way they take people 's money but me is a definite abuse cuz I am a working person and I barely have money they'll abuse me in a simple fact that they charge me overdraft fee they claim that I have paid that they have paid me {$400.00} and something dollars I asked Wells Fargo 's the question how much overdraft have I paid within the 12 month period And I guarantee that is going to be more than {$1000.00} also the 24-hour grace period that you guys claim that you give the customers is a lie cuz if you notify the customer at XXXXXXXX XXXX. and you have to XXXXXXXX XXXX that is not 24 Hour preview so you go you guys do not give no 24-hour. Whatsoever

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 2024-06-17 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-06-17 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: NJ

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-17 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: AL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 2024-06-17 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: HI

Complaint narrative:
Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) Subject : Response to XXXX XXXX 's Claims Regarding Complaint Dear CFPB, I am writing in response to XXXX XXXX 's recent communication concerning my complaint about their unfair and illegal credit reporting practices. 

XXXX XXXX claims that I submitted my initial dispute on or about the same day I filed my complaint with the CFPB and that prior to this, there was no record of me requesting validation of the debt. They also mention that this complaint represents their first record that my address differs from the address used at the time of placement. 

I would like to clarify and dispute these claims with the following facts : Multiple False Reports : On XX/XX/year>, and then again on XX/XX/year>, XXXX XXXX reported false information on my TransUnion credit report. Initially, they reported that I owed {$110.00}. Subsequently, they changed the amount to {$110.00}. The statement they recently provided indicates a different amount of {$110.00}. This inconsistency clearly demonstrates a lack of accuracy and reliability in their reporting. 

Lack of Validation and Signature : I have repeatedly requested validation of the debt from XXXX XXXX, including a request for my signature to verify any obligation. They have failed to provide this validation. The absence of my signature further supports my position that I do not owe this debt. 

Given these points, it is evident that XXXX XXXX has been inconsistent in their reporting and has failed to adhere to the requirements of the Fair Credit Reporting Act ( FCRA ). Their inability to provide proper validation and their contradictory reporting amounts have caused undue harm to my credit score and personal stress. 

I respectfully request that the CFPB take appropriate action to address these violations and ensure that XXXX XXXX corrects their records. I also request the immediate removal of all erroneous entries related to this debt from my credit report. If this issue is not resolved promptly, I will be compelled to pursue legal action to protect my rights. 

Thank you for your attention to this matter.

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 2024-06-17 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
Somebody is using my phone number and managing all my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: FL

Complaint narrative:
I reviewed my new credit report and i saw information which i believe, doesn't belong to me, so i am writing to dispute accounts and inquiries on my credit report. I discovered several accounts and inquiries that are not related to any transactions I have made. This indicates potential identity theft..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
On XXXX, CB INDIGO made fraudulent inquiry on my credit report using my name, but they used a fraudulent address and phone number. I did not apply for credit or a credit card with CB INDIGO!! 
I was alerted to this inquiry and immediately contacted XXXX to report it was fraudulent. XXXX helped me by freezing my report and placing a fraud alert. 
I have requested this fraudulent inquiry be removed from my credit report but must first provide XXXX with information/letter that I have filed a report to the FTC in order to have it removed. 
I tried unsuccessfully to reach the fraud department or anyone that would help at CB INDIGO. I have made numerous calls trying to report this and they refuse to transfer me to the fraud department or any department that can help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts anf inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft to the federal Trade Commission and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible. ACCOUNTS : XXXXXXXX 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 2024-06-17 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:
I am writing to have the following information removed from my credit file, the items that need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts anf inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft to the federal Trade Commission and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible. ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: DC

Complaint narrative:
XX/XX/year>, I received a notification that my credit score had decreased by more than XXXX points. When I looked into it, the only possible explanation was that Nelnet had reported several Department of Education student loan accounts closed, and that I had missed XXXX payments on those loans. 

Under Department of Education rules, loan servicers are not supposed to report missing payments or other information that could negatively affect a borrower 's credit during the special " on-ramp '' period that lasts until XX/XX/year>. More info here : https : //studentaid.gov/manage-loans/repayment/prepare-payments-restart Additionally, the communications I received from Nelnet were inaccurate, and emotionally distressing. Around the same time I received alerts to my credit report, I saw that I had messages in my inbox on the Nelnet site. I had more than five messages with the subject line " Congratulations! Your loans are paid in full. '' In the message was a congratulatory letter that said my balance was now {$0.00}, and my loans were paid off. 

For a moment, I thought my loans were paid. I had begun my application for public service loan forgiveness, and it's hard to keep up with all the changes to the loan program. It was only when I logged into the XXXX website that I learned I had a new loan servicer, XXXX. I never received any email or message from Nelnet, the Department of Ed, or my new servicer, that my loans had been transferred. If I hadn't investigated further, I could have easily taken Nelnet at their word and defaulted on my loans. Not to mention, sending people a letter that their loans are paid off, when they're just being transferred is incredibly cruel, especially when there is so much confusion right now around loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Global Tel*Link Corporation
State: VA

Complaint narrative:
I am seeking a refund of {$60.00} from ViaPath to my card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am writing to request that you reopen my previously disputed charge dated XX/XX/year> for the amount of {$180.00}. I understand that my initial dispute was not successful, however, I believe there are crucial aspects of the situation that warrant further investigation. 

The reason for my dispute is not simply dissatisfaction with the product or a refusal to accept a return. My claim centers on allegations of fraud and misrepresentation on the part of the merchant, XXXX  XXXX. Specifically, the item I received was of a substantially lower quality than what was advertised and represented during the purchasing process. 

I have made multiple attempts to resolve this matter directly with the merchant, but they have been unwilling to provide a satisfactory solution. Due to their unwillingness to cooperate, I believe a thorough investigation into my claims of fraud and misrepresentation is warranted. 

Thank you for your time and consideration. I look forward to your response. 

Dispute Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: CA

Complaint narrative:
I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE.

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Payfare International Inc.
State: TX

Complaint narrative:
I put a mobile order in for XXXX. The charge was for {$11.00}. When I arrived I was told the systems were down and they cant make the order. I was told to get a refund through the app but all they offered me was a coupon. Im not interested in a coupon I just want my money refunded. I contacted Payfare to dispute the transaction but they tell me to contact the store and they cant help me. Ive contacted both Payfare and XXXX regarding my refund and neither are willing to help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: MS

Complaint narrative:
I need to re-document and refile this grumbling to TRANSUNION. I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated.

My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.

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 2024-06-17 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I deposited a check that my mother endorsed to me. The check was placed on a hold. We were advised of the release date of XX/XX/XXXX when the release day came the funded were still on hold with a new release date of XX/XX/XXXX and now XX/XX/XXXX. When asked for an explanation they stated they are waiting for validation of the check. We have done everything to prove the validation of this check but the bank just keeps extending the hold with any explanation. We even asked for the transaction to be canceled and that we will pay the chargeback fee.and still nothing. They have had the check since XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief