vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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 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 non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) is a federal law that governs how a credit reporting agency ( CRA ) handles your credit information. It's designed to protect the integrity and privacy of your credit information. The FCRA requires credit reporting agenciesand the entities that report your credit information to them and othersto ensure that your information is fair and accurate, and kept private. The FCRA protects your right to access and correct any inaccuracies in your credit report and provides you with remedies if a credit reporting agency or information furnisher violates your rights. 

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

XXXX XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. 

XXXX XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. 

XXXX XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. 

Equifax Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. 

Equifax Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. 

Equifax Account Name : DPT EDXXXX Account Number : XXXX, has violated rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 if the person knows or has reasonable cause to believe that the information is inaccurate. 

The student loans are inaccurate on my account from XXXX. The documents that will be attached and highlighted from XXXX, Equifax, and XXXX XXXX shows that I made payments on one account for a certain time, and on the other account it shows that I have not made payments. This information is inaccurate and XXXX, Equifax, and XXXX XXXX has violated my rights on numerous occasions. I have not made any payments due to the payments not starting until XXXX ( 10 years ). 

The President of The United States, Joe Biden, also announced student-loan relief for borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: KS

Complaint narrative:
On XX/XX/ I purchased a XXXX debit card in error at XXXX. I thought the card I purchased was XXXX gift card but the card was a Netspend debit card. I loaded {$10.00} on the card at the register. I tried to activate the card on Netspend.com and the automated phone line without success. I contacted customer service on XX/XX/ and was told by XXXX I would receive a refund check in 10 business days. On XX/XX/ I recieved a check in the mail for {$4.00}. The card was never activated or used and Netspend withheld {$5.00}. Netspend charges {$5.00} for an inactivity fee. How does this apply to me since I never activated or used the card?

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 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the corrections and or deletion of these items.

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 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048A section 2 also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
The accounts in question are as follows : 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 non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/2022, I was contacted by phone with XXXX people impersonating people from the Office of the Inspector General/DOJ , the Social Security Adm , and my local Police Dept. They informed me that my SS XXXX  was being used to open other accounts around the country and that all accounts would be closed for further investigation. I was told that I could put some money into a special account that I could access until I was given a new SS XXXX. I went to my local XXXX XXXX to send a domestic wire transfer to a Chase Bank in California for {$46000.00}. After completing the transfer, I became very worried about what i had done. I went back to the XXXX to stop it, too late. I filed reports with my local police, XXXX, FTC, XXXX, XXXX of California, and my XXXX. I tried to talk to Chase Bank and its Claim XXXX with little success. They didn't seem to be concerned that an account was being used to scam elderly people for fraudulent purposes and possible money laundering. I fear that these people will continue to prey on and take advantage of others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On/about XX/XX/XXXX I notified Wells Fargo via phone that I noticed multiple unauthorized fraudulent authorizations/charges on my Wells Fargo Visa card XXXX The authorization attempts and my phone call were on the same day. I hoped my call would halt the transaction. I also spoke directly with XXXX on the same day to advise them of the fraudulent activity. There were multiple authorizations for the same smaller amounts ( {$160.00} & {$53.00} ) which is a very common fraudulent practice and one that Wells Fargo should have alerted on well before I called in. If Wells had proper fraud strategies in place, listened to my original fraud complaint or performed more research by utilizing platforms such as XXXX XXXX they could have determined that the IP address did not match any IP address tied to me. The fraudsters were attempting an account take over. It is a common and well-known practice for fraudsters to test small amounts repeatedly, as was done in my case. Wells Fargo is very aware of this practice yet they determined the charges were not fraudulent. I re-disputed their findings and disclosed that I had received the fraudulent merchandise. The items remain unopened and in the same package and condition I received. I fully disclosed that I did not want to be further inconvenienced by having to return the items to the store. Again, items I did not order. Again, all of this hassle that could have been avoided had Wells Fargo alerted to the textbook fraudulent activities. Even after my re-dispute, Wells did not properly investigate my fraud claim, stating in a letter dated XX/XX/XXXX that the charges are valid and appear to be authorized by you. Absolutely shameful that as a lifelong Wells Fargo customer that my {$210.00} claim did not receive a fair and reasonable investigation, as is the law. 

Im certain that Wells complete disregard for consumer safety and satisfaction is being felt by countless other consumers that dont know about CFPB so Im hopeful my experience will be a guide for other consumers.

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 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have sent certified mail on XX/XX/2022 and have not gotten a response.

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 2023-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: GA

Complaint narrative:
The previous servicer ( XXXX XXXX & XXXX XXXX XXXX ) received a wire for {$49000.00} on XX/XX/XXXX. My loan was transferred to another company on XX/XX/XXXX, the funds did not transfer with the loan. I have bee trying to get XXXX to send the funds to the new company for almost 2 months now. I called the XXXX today, XX/XX/XXXX, now they are telling me they still have not wired the funds when multiple managers assure the funds had already been sent to new company. ( stated they wired your company the {$49000.00} that was received by them. Below is the bogus wire info from there XXXX XXXX # XXXX confirmation # XXXX I need these funds posted to my loan. None of my funds need to be applied the inspection and FC fees, its not valid and you all and the previous company are investigating. The funds will bring my loan current plus payment for 3 future months, use funds to cover my escrow shortage, then place remaining funds in unapplied. 

In additional, XXXX has legal fees and inspection fees when I was on the COVID-FB, then tried to get mod sent with updated dates. I was protected by the Cares Act, there is no reason my loan should have gone into foreclosure, I kept constant contact. I keep getting the run around. 

You all need to do your job and reach out to XXXX. You both have me playing the middle guy when yall need to communicate. WHERE IS THE {$49000.00}?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: WV

Complaint narrative:
I bought a new XXXX XXXX XXXX XXXX XXXX XXXX. My previous car which was XXXX XXXX XXXX kept breaking down and on this day it broke down again with repairs more than I could afford. I had the tow truck driver take me to XXXX XXXX in XXXXXXXX XXXX  I was stuck over an hour away from home. I knew my credit wasnt great but it wasnt really terrible either. After hours of sitting there they said the only loan they could get approved for me was through Exeter Finance. They didnt even tell me the interest rate or payment until I was in their office to sign which was after XXXX. I was there since XXXX and was physically and emotionally exhausted. They charged me 26.6 % interest with a car payment of {$620.00}. That was 3 times the amount I was paying on my previous car. I felt backed into a corner so reluctantly I signed the papers hoping I could refinance at a lower rate in the near future. I was within a few months really having trouble making the payments but I decided to try to refinance. By then the car was already about {$4000.00} underwater. No one would refinance unless I paid down the extra money. I did not have it so I have been stuck trying to get out of this loan for XXXX  years. I have now made XXXX payments and the loan has only gone down by about {$3500.00}!!! I have paid {$24000.00} to this finance company for a {$22000.00} car and they said at this time my payoff is still {$19000.00}!! I am now XXXX  months behind on payments. I just dont know what to do at this point. This CAN NOT be legal!!! I am literally XXXX XXXX working XXXX jobs trying to make ends meet and I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need some relief but Exeter refuses to alter the initial terms at all to help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
A charge to my account appeared in XX/XX/2022 and prior to that the last time I used this XXXX XXXX card from Barclays was XX/XX/2022. I also have not used the card after that fact, and Ive only used the card at XXXX XXXX. I disputed the charge in XXXX and it was refunded to me and then investigated it on their end. Then they charged me back, saying that it was not considered fraud without providing me with any proof or documentation or letter of explanation, just another credit card statement with the charge. I explained to them that the same dollar amount on the same date was also charged to my debit card as fraud with a different company name, and that the bank found it to be fraud and refunded me, they want proof that I did not make the purchase which clearly I dont have because I did not make the purchase. I am not quite sure how I can come up with documentation to prove that I did not in fact make a purchase that theyre saying that I did just because the company was able to come up with my mailing address and other information that clearly if they hit my debit card and my credit card that they have, I have received no product from that company or the company that was the name listed on my debit card and my bank refunded me but this credit card continues to hassle me for a fraudulent charge and Ive XXXX them XXXX times to get it resolved. This is how these people committing fraud get away with this and and keep their money. Ive asked to speak to a XXXX and nobody has contacted me. XXXX told XXXX business days. You cant speak to a supervisor or any XXXX. This is still a charge on my account. It is the only charge on this card and I dont want this to ruin my credit. Barclays is the worst credit card company to deal with and I would never recommend anyone get a card from them. They cant even email the department that researches the fraud, per my last call to them. Now they want me to write a letter to another department. What is their infrastructure? This is absurd and a terrible business model. Poor customer service and with this charge I cant even get them to close 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 explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
In accordance with fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048A section 2 also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
The accounts in question are as follows 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 non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048A section 2 also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation