vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
This is a continuation of my earlier complaint against Wells Fargo Bank in CFPB case no. XXXX filed on or about XX/XX/XXXX. Following the response submitted by Wells, I submitted the following feedback alleging wrongful conduct committed by Wells : " Wells Fargo 's response is completely inadequate based on the clear facts of this case. According to information Wells provided to XXXX XXXX. Sheriff [ see pg. XXXX of Sheriffs report ], a total of {$XXXX} was withdrawn from the fraudsters account on XX/XX/XXXX and XX/XX/XXXX following receipt of the first wire of {$XXXX} from XXXX Bank on XX/XX/XXXX. Therefore those funds were no longer in that account and were not available for return to XXXX. According to Wellss own admission in its response dated XX/XX/XXXX at par. 5 : After a fraudster has obtained the funds, the wire transfer can not be reversed. Accordingly, Wells return of {$XXXX} to XXXX on XX/XX/XXXX was improper and should not have occurred. 

On XX/XX/XXXX the second wire from XXXX Bank in the amount of {$XXXX} was received ; and also on XX/XX/XXXX the wire from XXXX XXXX in the amount of {$XXXX} [ my funds ] was received. It is not yet clear the precise time of day when each of those XXXX separate wires was received. 

What is clear from the information in the Sheriffs report provided by XXXX is this : My {$XXXX} funds from XXXX XXXX were recalled for fraud per XXXX case no. XXXX ; and the second {$XXXX} wire from XXXX was recalled for fraud per XXXX case XXXX. XXXX ; and the earlier XX/XX/XXXX wire from XXXX was XXXX per XXXX case XXXX. XXXX. Those case numbers indicate that my recall request from Capital XXXX [ case no. ending in XXXX ] was assigned a lower case number because it was received earlier than either of the XXXX recall requests from XXXX [ case nos. ending in XXXX and XXXX ]. 

Notwithstanding the fact that my recall request from XXXX XXXX was apparently received first, XXXX nevertheless returned funds to XXXX on XX/XX/XXXX in the amount of {$XXXX} and again on XX/XX/XXXX in the amount of {$XXXX}, which actions depleted the balance in the fraudsters receiving account down to XXXX. 

The clear conclusion to be drawn from these facts is this : My {$XXXX} wired funds which was recalled first was wrongfully included in the XXXX amounts returned to XXXX totaling {$XXXX}. Therefore, XXXX actions were wrongful and should not be permitted to stand ; and this investigation should not be closed. I am entitled to a full refund of my {$XXXX}. In addition, XXXX should pay interest on that amount at the highest available rate of interest compounded daily from XX/XX/XXXX until the date it is returned. "

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 2024-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have never filed for any bankruptcy, this is the complete lie. I dont know from where you are getting this information, I asked you to change your attorney, XXXX XXXX XXXX 

I also sent a letter to your CEO, I havent received any response from him

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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:
I recently reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit and it is my understanding you will investigates these items for me to ensure accuracy. 

Here is the account I am asking you to verify : 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 non-monetary relief
Consumer complaint received 2024-08-14 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:
I recently reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit and it is my understanding you will investigates these items for me to ensure accuracy. 

Here is the account I am asking you to verify : XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: TX

Complaint narrative:
Please see the response from the collection company and remove both accounts from my credit report XXXX XXXX XXXX XXXX XXXX XXXX 

RE CFPB COMPLAINT ID XXXX XXXX, XXXX XXXX Thank XXXX for your inquiry and the opportunity to respond to any issue a consumer may have with XXXX XXXX XXXX. From our investigation on the CFPB complaint logged, the facts we currently understand are : We identified two accounts were assigned to our office by our client one on XX/XX/XXXX, and another one on XX/XX/XXXX, under the name of XXXX, XXXX XXXX. In response to the dispute received through our credit reporting system we mailed the itemized statement on XX/XX/XXXX. Following the CFPB complaint, we have submitted the accounts for credit deletion and the modification will reflect in subsequent reporting cycle. Accounts have been closed and returned to our client. If you require any further assistance or have additional questions, please do not hesitate to contact us directly at XXXX. Sincerely, 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 2024-08-14 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 recently reviewed a copy of my credit report and noticed i had fraudelent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-08-14 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) I have supplied the needed verification documents needed and a self attestation letter from an XXXX XXXX XXXX XXXX helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Experian.

Please delete the following accounts. 

XXXX XXXX bal. {$95000.00} XXXX XXXX bal. {$45000.00}

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 2024-08-14 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: FL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

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 2024-08-14 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: LA

Complaint narrative:
Im writing regarding all negative reporting accounts. Please remove all negative reporting accounts.

It has come to my attention that you have disclosed my personal information to unaffiliated third parties without providing the required disclosures.

According to 15 U.S. Code 6802, you are legally obligated to provide three specific disclosures. After thoroughly reviewing all the documents provided by your institution, I have found that none of these documents included the required disclosures as stipulated under 15 U.S. Code 6802 ( b ).

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

Also kindly remove all addresses that are not my primary residence XXXX XXXX XXXX XXXX XXXX, LA XXXX Ive attached my Drivers License along with utility bill, and SS card for verification. 

Anticipating positive results on your behalf.

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 2024-08-14 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:
My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 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 2024-08-14 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: MI

Complaint narrative:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any trans

action ( s ) that I have made. It is the result of Identity Theft. I sent letter months ago & nothing happen.
They are in violation & told me 30 days when I had fraud. A identity theft with police report I had attached as well ; they are in major violation.

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
My account with XXXX  XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused XXXX XXXX to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX days to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a XXXX to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A XXXX may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the XXXX  has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX  XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is XXXX XXXX XXXX and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: NY

Complaint narrative:
Dear CFPB, I am writing to dispute a charge-off account reported on my credit reports by TRANSUNION, XXXX the Fair Credit Reporting Act ( FCRA ). I request an investigation and removal of the inaccurate information. 

Account Information : - Account Name : XXXX XXXX XXXX - Account Number : XXXX - Original Creditor : XXXX XXXX XXXX XXXX Date of Alleged Default : XX/XX/year> Dispute : The charge-off account is inaccurate and violates the following FCRA sections : - 15 U.S.C. 1681e ( a ) - Information shall be accurate : The account status is inaccurate.

- 15 U.S.C. 1681e ( b ) - Duty to correct and update information : The creditor failed to update the account status after payment/full satisfaction.

- 15 U.S.C. 1681i ( a ) - Duty to conduct a reasonable investigation : The creditor did not investigate my dispute, leading to continued reporting of inaccurate information.

- 15 U.S.C. 1681s-2 ( a ) - Duty to conduct a reasonable investigation : The creditor did not investigate my dispute.

- 15 U.S.C. 1681c ( a ) ( 1 ) - Inaccurate information shall be deleted : The charge-off account is inaccurate and shall be deleted. Specifically, I dispute : - The account status as " charge-off '' has been remove from my credit report. Request : I request the CFPB to : 1. Investigate this matter
and require the creditor to correct the inaccurate information.

2. Remove the charge-off account from my credit reports. 3. Remove any negative marks associated with the dis
puted account.

Supporting Documentation : I have attached copies of : - My credit reports showing the inaccurate information. 
- Driver License - Social Security -Proof of Residence Please investigate and take appropriate action to correct the inaccuracies.

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 2024-08-14 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:
made a purchase with online retailer XXXX for {$98.00}, the merchant online store was closed and product never sent. i disputed on chargeback with proof of store closure, and cashapp denied my chargeback stating the merchant provided proof. I requested proof, and cashapp did not send.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I recently started banking with Experian using their new checking account. A week after opening my account and depositing, my account gets flagged as XXXX and my transactions are completely blocked. 

I called in XXXX times asking for their XXXX  department and both representatives told me that XXXX not able to contact that department. So I asked them to validate the fraudulent activity is false and I confirmed my XXXX and the transaction attempt and Experian said my account must remain frozen for XXXX hours. 

So because I wanted to go to the grocery store my XXXX XXXX was blocked and now XXXX cant use my money nor contact anyone to help fix the issue. They told me specifically its the system, and we have to wait XXXX hours. 

So now if an emergency comes up, I can not do anything at all because my money is frozen. Horrible user experience. Horrible customer service.

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 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: OLIPHANT FINANCIAL, LLC
State: CA

Complaint narrative:
I started to received emails from Oliphant Financial about a debt of {$13000.00} plus from XXXX? I have never had any business with this company and some how they got my email address name and phone number and have been constantly sending messages about a debt, i also pulled my credit report and they added this account, from XXXX  and now 6 years have passed and the statue of limitations has passed from them to start to harassing me on a debt they have no right on

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: TN

Complaint narrative:
I recently reviewed my XXXX XXXX and noticed an account that was not reporting accurately. i had a late payment on an account that was in fact paid on time. The XXXX XXXX XXXX have need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my XXXX to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt 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 non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am a member of the Sweet v Cardona Lawsuit and the Dept of Education is to have refund checks to be sent out by end of XXXX, this month! However when I call all they tell me is they have the Borrowers Defense Application and its processing, there were no manager, so I submitted and I again have submitted a complaint on their website case number XXXX.

Company response to consumer: Closed with explanation