vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
CAPITAL ONE 360 Account # : XXXX, Open Date : XX/XX/2022. Account closed and reported under my name on XXXX XXXX XXXX. This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: MN

Complaint narrative:
My personal information was used by someone else to obtain credit from these different companies. I've sent out multiple dispute letters to each credit bureau, dating back to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: MN

Complaint narrative:
I've called many times regarding the remaining student loan balance on Mohela 's website. I want to know what colleges those loans were paid to. If some or all of that is for XXXX, why hasn't it been forgiven per President XXXXXXXX XXXX request and per the Sweet vs. Cardone lawsuit. 
Some of the loans were forgiven but I never received an email or letter from Mohela. Other people have that have Mohela as their servicer. Last time I called Mohela I waited for hours. When are they going to hire more people and train them to answer these questions?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
ChexSystems is posting my personal information. ChexSystems violated consumer law FCRA section 604. Early XXXX i disputed an account ( s ) that does not share my personal address, that has been proven by them. However they verified the account as accurate via their online portal, no validation. so I immediately mailed them back via USPS mail and asked how what this account verified so fast. They did not respond, so i sent a follow up letter on XXXX, asking to have these account deleted because since this account doesnt match my personal information. ( address, etc ) Hence it is erroneous and inaccurate. ( Thats a FCRA issue ) They responded again via the online portal. Then on XX/XX/23, I responded again with a well crafted letter stating that the furnisher of this account share my personal information with my written permission, Chexsystem ignored what i stated about this being a violation on the FDCPA and FCRA 15 U.S.C. 6802 - Obligations with respect to disclosures of personal information. Also, 15 U.S.C. 6801 of the FCRA stating that I have Protection of nonpublic personal information. They responded again with the same response yesterday. I can count 3 violations

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 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I received today 's date information that my prior complaint had been resolved. Chase Bank stated that I still owed {$46.00} for a purchase using their credit card. The Chase Worker Executive Office assigned the original complaint told me to contact Chase 's Customer Protection Group at XXXX every day from XXXX XXXX to XXXX XXXX. XXXX XXXX. I attempted to contact them without success today 's date. I have never received a statement or late payment due from Chase Credit Card Service. I have told the worker from the Executive Office that information. I attempted to get that information today 's date from the number the worker provided. I left a message with the Executive Office worker two weeks ago and today 's date. The worker has not contacted me about getting a specific statement on the billing listed. I would like to resolve this dispute, but I am not privy to Chase 's Information on my own account. I did not receive any information on this bill.

I would gladly pay ASAP the original bill if I can confirm that I made the disputed transaction. I however do not feel any additional charges should be paid by me for a bill that became overdue with no notification to the card holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
For any account that is alleged to be derogatory, I would like evidence showing why the credit bureaus and the company that provided the data to the bureaus consider the financial status of the liability under the law that the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ) allows for a violation of both FRCA AND FDCPA. It appears that it can not be determined in irrefutable fact ( as required ) that everyone and all the ACCOUNTS in question were or were not handled properly when they were transferred. I am enacting both my consumer rights lawfully to COMPEL YOU IN WRIT DEMAND to demonstrate all facts and further to equivalently provide me with written documentation of the deletion of this erroneous information for every one of the unproven or else otherwise not lawfully compliant reporting of accounts, which obviously are in question. Consumer Financial Protection offices ( regarding this unforgivable and extremely injurious error in your clear misreporting of illegal misinformation ) I requested the following account be put in disputed status and the never were. XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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: OH

Complaint narrative:
For any account that is alleged to be derogatory, I would like evidence showing why the credit bureaus and the company that provided the data to the bureaus consider the financial status of the liability under the law that the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ) allows for a violation of both FRCA AND FDCPA. It appears that it can not be determined in irrefutable fact ( as required ) that everyone and all the ACCOUNTS in question were or were not handled properly when they were transferred. I am enacting both my consumer rights lawfully to COMPEL YOU IN WRIT DEMAND to demonstrate all facts and further to equivalently provide me with written documentation of the deletion of this erroneous information for every one of the unproven or else otherwise not lawfully compliant reporting of accounts, which obviously are in question. Consumer Financial Protection offices ( regarding this unforgivable and extremely injurious error in your clear misreporting of illegal misinformation ) I requested the following account be put in disputed status and the never were. 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 explanation
Consumer complaint received 2023-11-28 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: LA

Complaint narrative:
Company XXXX XXXX XXXX said they were sending a code to remove this suspected fraudulent item masquerading as account to the credit reporting agencies. I contacted experian and the other two reporting agencies and they never removed this fraudulent item they never got the code

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 2023-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
On or about XX/XX/2023, I informed Mr Cooper/Nationstar that my home is under contract and the loan would be paid off on XX/XX/XXXX. I gave them my forwarding address for the refund of my escrow account. On or about XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I have called Mr Cooper to inform them no checks have ever arrived and that I would like my escrow balance wired to me. ( I also talked to my postal carrier and they have been on the lookout for 3 checks that were allegedly mailed to no avail ). I have provided direct deposit documentation along with documentation of my new married name so they can update my account. Nothing has happened as of today. I have been dealing with an amazing lady named XXXX and she has tried so hard to remedy this issue but cant seem to get the proper approval or information in order to reissue my escrow funds. First account services told me that checks were issued on XX/XX/XXXX and XX/XX/XXXX, respectively but now I am being told there was a wire transfer on XX/XX/XXXX that never came. I am have tried all options to get my funds and nothing is working. They never issued 3 checks to me otherwise I would have received at least 1 of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent requests to XXXX, Equifax and XXXX in XX/XX/2023, XX/XX/2023 and XX/XX/2023 requesting that they remove all other names and address on my account except for my legal name of XXXX XXXX XXXX or XXXX XXXX or XXXX XXXX XXXX and my current address of XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX, TX XXXX. I attached a current bill and my current drivers licensee and a copy of my social security card each time. 

I requested the information to be corrected as per The Fair Credit Reporting Act requires credit bureaus to remove inaccurate information from credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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: WA

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and 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 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
ACCOUNT ENDING IN XXXX WAS COMPROMISED DATA BREACH AND IDENTITY THEFT BELIEVED TO BE AT HAND AS WELL AS TEXT SCAMMING AND BREACHING DATA. 
I HAVE REQUESTED A NEW CARD FROM DISCOVER WITH AN UPDATE AND THEY HAVE NOT REPLIED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have {$16.00} remaining on an American Express gift card which I have been unable to spend anywhere. I have repeatedly tried to use it for XXXX purchases with no success, and today ( XX/XX/23 ) I tried to use it to pay a medical bill. The purchases are always declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28 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: WA

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2023-11-28 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:
The Date of Last Activity is reporting inconstantly across all 3 credit bureaus. If this account was properly verified all information should be reporting the same. 
XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In Wells Fargo Enterprise Complaints Management Office, they don't produce the required Notice for Validation of Debts as required by section 1006.100 Record Retention. The required record that WELLS FARGO BANK, never produced. When I communicate with them, they just say the statute of limitations is past. Fraudulent concealment of the notice or any revalavent information stops the statute of limitations from starting.

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 2023-11-28 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:
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.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want this item deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete this illegal account from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. Amount {$3200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: CT

Complaint narrative:
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. 

Account Name XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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.

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 2023-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc.
State: MI

Complaint narrative:
I took out a credit builder loan for {$1000.00}. {$220.00} was immediately available to me and the remaining {$770.00} was held in a credit reserve account until the loan was paid off, upon which would be immediately transferred to an account that I could withdraw the money from. I paid the loan off XX/XX/XXXX however the money was not immediately transferred to my account and still has not been transferred 5 days later. I have been in contact with MoneyLion reps every day. I was first told it would take 1 business day, then 2 business days, and now they are telling me it will be another 3 to 5 business days. They have received their money but are refusing to give me the remaining {$770.00} that I am entitled to.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX was and account closed on XXXX, and never been late, they did not sent me any proof of this or any documentation about 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 non-monetary relief
Consumer complaint received 2023-11-28 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: TX

Complaint narrative:
BXXXX XXXX XXXX was and account closed on XXXX, and never been late, they did not sent me any proof of this or any documentation about it..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to assert that, throughout the duration of the aforementioned account, I have consistently adhered to timely payments without any instances of tardiness. In light of this, I kindly request the provision of comprehensive documentation that substantiates and validates the purported late payment. In the absence of such evidence, I am requesting the expeditious removal of this inaccurate information from my credit report. I sincerely appreciate your prompt attention to this matter.

It is imperative to emphasize that the alleged late payment is, in fact, invalid. According to the Fair Credit Reporting Act ( FCRA ), there exists a provision allowing for a 30-day window within which discrepancies of this nature can be rectified. I trust that, in accordance with regulatory guidelines, swift action will be taken to rectify this discrepancy, ensuring the accuracy of my credit report. Your cooperation in this matter is greatly appreciated, and I look forward to a timely resolution. 

No knowledge of account being opened : 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 2023-11-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo called me XX/XX/2022 asking about multiple payments and deposits. I replied they are not authorized transactions.Learning there was a total of {$17000.00} taken from both credit cards and a line of credit. In addition there was a payee by the name of XXXX XXXX created through my online banking. There was a withdrawal of {$19000.00} to XXXX XXXX from my checking account ending in XXXX. Ive been in contact with Wells Fargo for over a month trying to fix this situation. Ive been to the Wells Fargo branch on three different occasions ( Both XXXX, Ca and XXXX, Ca ). In addition, I have called Wells Fargo north of 10 times, spending an average of 2 hours on the phone each time. When I call, I am transferred to a different department, which ends up hanging up or losing connection. Ive changed my online credentials and have called the credit bureaus to inform them of a security breach. A police report has been filed with the city of XXXX, report ID : XXXX. Case : 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 monetary relief