vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
This will be the 3rd report I have filed with you guys because after much investigation and correspondence with Wells Fargo this should be a continuation complaint about this institution.. I have sent them a most resent article from CFPB as well as referring to a major case of XXXX XXXX XXXX. I myself see a reflection in a mirror of me when I read through the claims in this very heated and horrible case!! I was a XXXX  Mom at the time they really Spun me out of control. Having to go to local XXXX XXXX XXXX XXXXXXXX places just so Me and my XXXX could survive paycheck to paycheck!!!! XXXX did not care!! Of course I have NO access to those bank statements. This has been dragging on, and on and on. The more i think about things the 33 years ive been with them the more i realize they have done me wrong. At XXXX they received my 1st paycheck when they were XXXX XXXX, then they changed to XXXX, now they are Wells Fargo. I sure wish you guys could do more than just scold them!!! I have said hey, let 's average out the XXXX  years instead of Civil Court, but they would rather make this 100 % XXXX  XXXX XXXX XXXX struggle with finding an attorney and go thru all that. So what say 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 2023-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I received a letter from Credit Management LP on XX/XX/23 stating I owed money to XXXX XXXX XXXX. at XXXX XXXX XXXX in the amounts of {$410.00} and {$470.00}. I believe these charges are erroneous and fraudulent. I wrote back to the Credit Management LP asking them to provide evidence of the charges including the service and date. They wrote a letter back without providing any evidence other than stating XXXX XXXX XXXX. is trying to collect a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Experian, I, XXXX XXXX, have written this dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : PARTY OWED : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2200.00} PARTY OWED : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$16000.00} I am disputing this claim ( s ) due to : I HAVE NO KNOWLEDGE OF THESE ACCOUNTS. IT IS FRADULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off of my credit report. Enclosed may be additional evidence to support my claims. 

Sincerely, 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 2023-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I recently file an complaint with the 3 credit credit Agencies along with XXXX in regards to my rights under the Fair Credit Act, and has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681, 15 U.S.C. 1681 sec 602a States I have the rights to privacy. 15 U.S.C. 604a section 2 Also states a consumer reporting agency can not furnish an account without my written instructions. I feel my rights have been violated and therefore would like this information to be removed from these agencies. In the information that I have attached below, it will show that I have went through the proper channels to prove that this is unfair and the information is proved to be unverified.

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 2023-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX, I had a Capital One Credit Card in XXXX XXXX. There were charges on the credit card I did not make, and I reported to Capital One. Also, I was a victim of the XXXX. XXXX Data Breach. I filed a claim with XXXX Data Breach [ their claim info ] between XX/XX/XXXX, and XX/XX/XXXX. 
Sometime in XXXX, XXXX XXXX XXXX reported a {$1400.00} debt to my Credit Bureau. I attempted at least twice to dispute these charges. 
On XX/XX/XXXX, XXXX XXXX XXXX was granted a Default Judgement against me in the XXXX XXXX, Precinct XXXX Place XXXX, XXXX XXXX, Texas, for {$1400.00}. and they have proceeded to increase these charges to {$1600.00}, as noted on my credit report. 
I will continue to dispute these fraudulent charges against me, and I have contacted XXXX 's Restorations Services for assistance today, XXXX XX/XX/XXXX. 
I ask for your assistance in the matter as well. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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 contacted XXXX and TransUnion Credit reporting agencies in reference to inaccurate account balances on my credit report. I have done a thorough research myself and I have discovered that XXXX and TransUnion did update the accounts showing updated payment dates, but inaccurate account balances. I have disputed several times in this matter. 
XXXX XXXX {$0.00} XX/XX/2023 XXXX XXXX {$0.00} XX/XX/202XXXX XXXX XXXX  {$0.00} XX/XX/2023 XXXX XXXX {$0.00} XX/XX/2023 XXXX XXXX XXXX XXXX  {$0.00} XX/XX/2023 XXXX XXXX XXXX XXXX  {$0.00} XX/XX/20XXXX 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 2023-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
There were a number of fraudulent charges made on my account back in XX/XX/XXXX, totaling around {$1500.00}, I do not remember the exact amount since it has been so long. I reported the charges and opened a dispute, and they started a review and began refunding the fraudulent charges to my card. I think the full amount was credited back to my account but they never completed the review and gave me full report, so I don't know for sure. My card has now been locked for a year and a half, after they initially said the review would take 4-8 weeks. The last balance adjustment I can see on my account happened back in XX/XX/XXXX. I have tried contacting them to get updates on their review several times, probably more than 10 times, over this time period and they have given no updates. Every time I ask them when my review will be completed, they say they have no update, and they will let me know when the review is complete. I have continually asked to have the issue elevated and speak to a manager and file a complaint but they repeatedly say there is nothing else they can do. The attachments are an example of the responses I have gotten every time I reach out to them for an update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AL

Complaint narrative:
Hackers hacked my chime account on XXXX the of XXXX I disputed the claims with chime they denied them two unauthorized purchases was made with no id number tracking number or confirmation number they hacked my accounts by sending code to my phone while I was asleep then proceeded to change it to there XXXX number they entered my account moved money from checking to credit builder then back to checking where they used an online card number to make unauthorized purchase the purchase are not in my name nor sent near a state that I live in I reopened the dispute and I'm having a hard time getting any answers and I'm still in the negative with the money stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
Contacted amx to change my address due a house fire and their international team failed to properly changing my Address resulting in a closed account. 


I couldnt log or make a payment without a physical card and costumer service keep changing the wrong address. 

This account was paid off on full and already settle down as on XXXX. 
Whatsoever I received the documents and I see the late fees are not waived based on lender error as promised. 
I will kindly ask to be rectified and so does my credit report or legal action will be taken against American Express. This is a formal bill dispute and should be address as such.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
on XX/XX/23 I sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me.

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 2023-05-07 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: TX

Complaint narrative:
I sold my property in XXXX XXXX Texas. XXXX shows that there is no debt now. However TransUnion and XXXX have not recorded the payoff which was over 6 months ago

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 2023-05-07 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: TX

Complaint narrative:
I sold my property in XXXX XXXX Texas. XXXX shows that there is no debt now. However XXXX and Equifax have not recorded the payoff which was over 6 months ago

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I have already submitted a complaint with both EQUIFAX and XXXX stating that my XXXX XXXX XXXX XXXX Account # XXXX which was an Auto Loan that I had paid off in full and closed was reporting incorrectly. XXXX states that I was 30 days late on XXXX or XX/XX/2019 and EQUIFAX shows I was 30 days late on XXXX or XX/XX/2019 and XXXX is reporting CORRECTLY & shows NO late payments. So both XXXX & XXXX are stating false information twice, one that it was 30 days late, and two they are both showing a different month or time in which they are reporting it being late. They have also now violated my rights under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( A ) Reporting information with actual knowledge of errors 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 by not doing a fair and accurate investigation to show accurate reporting and have this false information removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Bank allowed fraudulent transactions repeatedly beyond limits of accounts and credit card limits repeatedly causing my losses of XXXX and refuses to accept responsibility for the financial losses

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 2023-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
I contacted XXXX XXXX XXXX about 2 months ago to clear a debt and pay it off in collections. The lady was nice and pulled up my account and told me that it was against the law for them to accept payment due to the being past the statue of limitations here. I respectfully asked what can we do and she said not pay it because they can't accept payment. I wan na resolve this somehow to purchase a home. This is a debt I was willing to pay but have disputed for 2 months no resolve from XXXX or nothing. The debt is {$1100.00} I was willing to negotiate but they can't accept payment please help me resolve this somehow or let 's work with the company to get this debt removed as a good will deletion.

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 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: HW Holding, Inc
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: American Student Assistance
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 explanation
Consumer complaint received 2023-05-07 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: WI

Complaint narrative:
I have tried repeatedly to resolve issues with incorrect information on my report. The credit bureau ignores my letters and repeatedly adds incorrect descriptors and or inaccurate comments to my XXXX XXXX Accounts. This inaccurate, fraudulent descriptor negatively impacts my credit worthiness and ability to obtain additional credit or credit increases. 
My consumer rights have been violated and FCRA guidelines have been blatantly disregarded by credit bureau ignoring letters Ive sent requesting them to delete the inaccurate remarks/descriptors - as they are blatantly false and 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 2023-05-07 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have tried repeatedly to resolve issues with incorrect information on my report. The credit bureau ignores my letters and repeatedly adds incorrect descriptors and or inaccurate comments to my XXXX XXXX Accounts. This inaccurate, fraudulent descriptor negatively impacts my credit worthiness and ability to obtain additional credit or credit increases. 
My consumer rights have been violated and FCRA guidelines have been blatantly disregarded by credit bureau ignoring letters Ive sent requesting them to delete the inaccurate remarks/descriptors - as they are blatantly false and 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 2023-05-07 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am in the process of purchasing a home. I noticed that on my Equifax Credit report they show that I have an account that with XXXX XXXX XXXX company. I agree that I was 2 months late for a 60 day late payment however Equifax is showing 90 day 's late. I contacted XXXX and they agree that I only have one account. over the last 2 weeks my score on My account with XXXX is XXXX. This is the only account I have with this company. However they are reporting two on my account. I do not know what to do. I speak with Equifax and they tell me that they are initiating a dispute on my behalf but they do not contact XXXX. I contact XXXX XXXX and they inform me that they are reporting one account. One my other credit reports I have only one account. I have been hurt financially and emotionally by this. I am not longer able to get my VA loan approved. I am at the end of my lease for the current home I am in and will not have a place to live after the XXXX of this month. We did not resign the lease because we had met our eligible scores for a VA home loan. Now that Equifax and XXXX has failed to do their job I no longer qualify for VA loan approval. I've been contacting them for almost a month now about this. I NEED HELP PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: TX

Complaint narrative:
on ( XX/XX/ ) .the consumer fowarded experian an Notice letter to remove accounts 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 These accounts displayed transactions and experiences between the consumer and the persons of which made the reports before Experian that are required to be excluded from the consumers consumer report that Experian has placed within the consumers report that is required to be excluded.therefrom15 U.S. Code 1681a 2 ( i ).

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