vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 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: WELLS FARGO & COMPANY
State: ND

Complaint narrative:
On XX/XX/2022, I received a phone call from 'Wells Fargo , ' phone number XXXX and the person that I spoke to claimed they were a Wells Fargo Fraud Protection Agent . This person then sent a 6-digit code to my phone via text to verify my identity. This is the same process Wells Fargo has in place to verify the identities of their customers, however this time, it was a fraud. I provided the 6-digit code to this person thinking they were a trusted Wells Fargo representative . This fraudster had now gained access to my account using the 6-digit code sent via text and performed the following activities. The fraudsters withdrew {$1000.00} from my Deposit Account via a XXXX transaction. They then authorized a cash advance in the amount of {$2900.00} from my credit card to my Deposit Account. Finally, the fraudsters wire transferred {$3000.00} out of my Deposit Account in order to claim the {$2900.00} cash advance for themselves. I submitted a fraud claim to Wells Fargo within 5 hours of this event occurring on XX/XX/2022. As of XX/XX/2022, Wells Fargo had ruled in my favor for the XXXX transaction and reimbursed {$1000.00} into my Deposit Account. However, Wells Fargo has denied my claim to reverse the cash advance because doing so would overdraft my Deposit Account. The complaint I am making is that the {$3000.00} from the wire transfer should be reimbursed to my Deposit Account which would then be used to reverse the cash advance of {$2900.00} on my credit 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 2022-05-05 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: FL

Complaint narrative:
In accordance with the Fair Credit report XXXX XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. It also States consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit report XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. It also States consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit report XXXX XXXX  Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. It also States consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit report XXXX XXXX XXXX XXXX XXXX Account Number XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. It also States 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 2022-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
I am scheduled for forgiveness of my loan in XXXX, and my servicer has not responded to my emails in regards to the years of service I have provided from XXXX. 
As well, they recommended I fill out a form for medical forbearance to count my years in residency however this recommendation removed payments towards my forgiveness after removing an Adminstrative forbearance. This was poor recommendation from the servicer regressing my time towards loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
I received an alert from XXXX Credit Report Monitoring system of XXXX points decrease, BECAUSE Navient is reporting inaccurate, unverified, not validated and frivolous account ( s ) information to include a " LATE PAYMENT ''. Please take notice UNDER the Fair Credit Reporting Act ( FCRA ) NAVIENT is VIOLATING my federally and state protected consumer rights to privacy and confidentiality under 16 USC 1681 and 15 USC 6802 ; The law clearly states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS. Moreover, under the FDCPA debt collectors are NOT allowed to communicate with me ( the consumer ) under 15 USC 1692C. Additionally, NAVIENT IS IN GROSS NEGLIGANCE due to the fact of National COVID-19 Pandemic and " on XX/XX/2022, the U.S. Department of Education ( ED ) extended the student loan payment pause through XXXX XXXX " This PAUSE includes : A SUSPENSION OF LOAN PAYMENTS, A 0 % INTEREST RATE, STOPPED COLLECTIONS ON DEFAULTED LOANS. CFPB please address and correct XXXX and Navient, and please refer this CLAIM to any and all Offices of Redress to address these violations being committed against me, the consumer and more than likely many other people in the public, and across the united states of America! ThANK You!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX  Account XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # 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 an 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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed inquiries on XXXX and Equifax and they refuse to remove them. I have not authorized companies to run duplicate checks on my credit and have several from companies I do not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I pulled my credit on today and noticed errors and accounts not authorized by me. I was directed to file this report by the Identity theft Dept to establish the a report and file a complaint. I would like the accounts to be removed from any credit reports

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 2022-05-05 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: Holloway Credit Solutions
State: AL

Complaint narrative:
I pulled my credit on today and noticed errors and accounts not authorized by me. I was directed to file this report by the Identity theft Dept to establish the a report and file a complaint. I would like the accounts to be removed from any credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX, a company I have not had an account with for over 10 years, but my partner had an account, even though I took my name and information off the account years ago, they charged me a box fee which was returned with a receipt to prove it. They sent to collections, I disputed spoke to the company they said theyd take the charge off and the collections, then they charged me again and sent to collections again. I filed a report with the FCC and there was an investigation, they took the charges off but the collections company keeps flagging my credit with a {$0.00} amount every other week. I have 5 collections claims on my credit right now from these two companies. Spoken multiple times with credit management LP and no one seems to know how to fix it instead they keep asking me to pay THE OLD DEBT THAT SINCE SAYS {$0.00} theyve sent {$0.00} to collections 3 times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
This company has incorrect information on my account and refuses to remove it.

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 2022-05-05 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I had a store card with Comenity bank/Victoria Secret . I was doing payments on time till I lost my job but the only balance left over was XXXX dollars so I thought if I paid it off it will close the account. Years later I was told in 2020 that it was sold to XXXX XXXX XXXX. XXXX never showed up in my report or even got update at all for comenity bank that it was sold to them. In 2020 I paid off the balance over to XXXX XXXX which their policy was they delete the whole account if they are report to the credit company but it never did and now Im not able to delete this account because it wasnt rightfully updated like it shouldve and still shows that I never paid it off. This is really hurting me because its considered a charged off and I have sent the credit companys proof of everything, the store company and lender they sold it too how I paid everything off and should be deleted but the credit company are not bulging at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
Did not apply for a credit card, it said to see if you pre-qualified and NO Inquiry on your credit report!! THEY LIED, I HAVE A HARD INQUIRY AND A CREDIT CARD FROM DESTINY I DO NOT WANT NEITHER DO I WANT IT ON MY CREDIT REPORT! THEY ARE DO FRAUDULENT ADVERTISING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Either XXXX XXXX XXXX XXXX is reporting incorrectly, or TransUnion is listing this account incorrectly. 
2 errors. First, the charged off amount is not XXXX as listed on report. XXXX XXXX showed my chargeoff/remaining balance as XXXX. 
Next error is the date the account info will fall off of credit report. 
By them re-aging the date of original/first delinquency... .it moves the XXXX from XXXX ( see XXXX  letter ) to XXXX. 
As the letter that clearly is titled " NOTICE OF DEFAULT AND INTENT TO CURE '' shows a date of XX/XX/XXXX ... .this is the date of first delinquency, not the one being reported and preventing me from obtaining new credit!! 

This unfair re-aging prevents me from obtaining new credit due to the " recent delinquency ''. This should be removed after 7 years... not 11 years after the date of first delinquency!

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 2022-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I tried to deposit a check with my phone that my sister in law signed over to me and my account was restricted and all of my funds held because they thought it was fraud. I went into the branch with my sister in law and two forms of id like they requested and my funds are still being held!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: OH

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXXXXXX XXXX XXXX account # XXXX, has Violated my rights. 

XXXX XXXX XXXX # XXXX, has Violated my rights. 

XXXX # XXXX, has Violated my rights. 

XXXX XXXX XXXX # XXXX, has Violated my rights. 

XXXX XXXX # XXXX, has Violated my rights. 

XXXX XXXX XXXXXXXX XXXX # XXXX, has Violated my rights. 

XXXXXXXX XXXX XXXXXXXX XXXX # XXXX, has Violated my rights. 


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

15 U.S.C 1681 section 604 A. 2 : It also states a consumer reporting agency can not furnish 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 2022-05-05 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: OH

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXXXXXX XXXX XXXX  account # XXXX, has Violated my rights. 

XXXX XXXX XXXX # XXXX, has Violated my rights. 

XXXX # XXXX, has Violated my rights. 

XXXX XXXX XXXX # XXXX, has Violated my rights. 

XXXX XXXX # XXXX, has Violated my rights. 

XXXX XXXX XXXXXXXX XXXX # XXXX, has Violated my rights. 

XXXX Bank XXXX XXXX # XXXX, has Violated my rights. 


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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I do not recognize nor did I authorize the below credit inquiries from XX/XX/XXXX & XX/XX/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 2022-05-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
I leased a vehicle from Chrysler Capital in XXXX. My lease was scheduled to expire at the end of XXXX. I did terminate my lease agreement approximately five months early since Chrysler Capital would not let me purchase the vehicle. When I returned the car, I was expressed by the dealership that I would receive paperwork in the mail of what my XXXX total would be to Chrysler Capital. Unfortunately, still to this day, I have never received the final bill. I have contacted Chrysler on numerous occasions by phone and by mail to attempt to retrieve my final balance. Chrysler Capital reported it positively on my credit report for many years, even though I did not make a payment past XXXX. I hired a third-party legal team to attempt to contact Chrysler Capital XXXX I believe that since I hired a third party, Chrysler Capital decided to reverse the information they were giving to the three credit bureaus and report negatively and then turned it into a collections account within two weeks. XXXX XXXX and I have made numerous attempts to contact Chrysler Capital to rectify the situation and pay the balance. They have chosen not to reach out to me ; they have never given me a final bill. They've never even given me the estimate of what the car was sold for after turning it in. I received a notice from Chrysler Capital stating that they added a {$420.00} charge to a closed account. There is no further explanation in the letter. Just for merit, they are charging me {$420.00}. I don't know what else to do, but this company thus far has made it extremely difficult to have any future ties or business dealings with them. I am hoping by shedding light on the situation, and somebody could bring clarity to a stressful situation I have all documentation for everything stated in this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have submitted my disputes to you, and I didn't get a response within 30 days, and you are required by law to do so. Please investigate my disputes. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have submitted my disputes to you, and I didn't get a response within 30 days, and you are required by law to do so. Please investigate my disputes. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: FL

Complaint narrative:
This complaint is in regards to Equifax Credit Bureau 's response to CFPB Complaint # XXXX. Equifax states that the identification information provided does not match their records. My name and address have been the same for nearly twelve ( 12 ) years with my name being the same for the last twenty-two ( 22 ) years.

Additionally, I have attempted to address other concerns with Equifax Credit Bureau before filing a complaint and Equifax had no previous issues with my identification. I also sent an email to the customer care center on XX/XX/2022 informing Equifax of my intent to file a complaint and requested a call back from a manager that I did not receive. So Equifax also has my email address. The email included my name, address and telephone number. Equifax could have contacted me directly to avoid additional delays if any additional information was needed. 
I am attaching the following : ( 1 ) copy of my social security card ( 2 ) copy of a current utility bill with my name and address ( 3 ) copy of the Equifax response to CFPB Complaint # XXXX dated XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: MA

Complaint narrative:
I had a store card with XXXX XXXX XXXX XXXX I was doing payments on time till I lost my job but the only balance left over was XXXX dollars so I thought if I paid it off it will close the account. Years later I was told in 2020 that it was sold to XXXX XXXX XXXX. XXXX never showed up in my report or even got update at all for XXXX XXXX that it was sold to them. In 2020 I paid off the balance over to XXXX XXXX which their policy was they delete the whole account if they are report to the credit company but it never did and now Im not able to delete this account because it wasnt rightfully updated like it shouldve and still shows that I never paid it off. This is really hurting me because its considered a charged off and I have sent the credit companys proof of everything, the store company and lender they sold it too how I paid everything off and should be deleted but the credit company are not bulging at all

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