vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizens bank closed my account because appearantly I hurt one of their employees feelings .... they will not tell me where my funds are or how or when I will recover them after they closed my account with absolutely no notification to myself... and they will not even communicate with me now, so I guess I need to get others involved to obtain information on how I go about getting my money that the bank is holding and won't even tell me what to do to get it back... thanks in advance...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Hi I have a XXXX XXXX XXXX XXXX by XXXXXXXX XXXX and it has been reported to all three major bureau 's but for some reason it isn't showing up on my Experian report. I have called Experian numerous times to fix the situation each time a agent at the company tells me they will have a supervisor call me back, and I never receive a call back. I contacted XXXX and Experian to rectify the situation in XX/XX/XXXX and I have had the credit card since 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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I never lived at these addresses below. I sent police affidavit over 2 years ago, to delete any unknown, inaccurate addresses from my file. This is inaccurate information and I need it deleted or else I will sue this company. 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX ... ... XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX ... ... XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX ... ..how can I live in so many places at the same time! This is crazy!!!

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 2023-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
An account with WELLS FARGO DEALER SVC was fraudulently opened with my information in XX/XX/2020 for the amount of {$15000.00}. I discovered this account my checking my credit report through XXXX. Ive made attempts to resolve this issue with the credit bureaus and haven't gotten any result. This account is negatively affecting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: FL

Complaint narrative:
I am interested in disputing all incorrect information on my credit report with experian. all information is not 100 % accurate on all 3 credit reports. please review an remove the invalid data to help clear my file.

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 2023-02-17 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), I have requested the following accounts be verified and to provide me with what documents are received or whom was spoken that gave the information to verify and this is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.I have made several request to have this done.

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 2023-02-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), I have requested the following accounts be verified and to provide me with what documents are received or whom was spoken that gave the information to verify and this is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.I have made several request to have this done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: MI

Complaint narrative:
In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX 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 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 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 explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase unfairly without any rational basis reduced my credit limit from {$13000.00} on my Chase Southwest Visa to {$6200.00}, even when every single payment I have made has been prompt, on time and in accordance with my contractual agreement with them. They unfairly reduced my credit line causing significant logistical harm to my family forcing to need to change automatic payment methods for various service providers. They reduced my limit without any notice and when I called them to correct this harsh, unfair and ruthless action without legitimate justification they doubled down on their misconduct and maliciousness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: NV

Complaint narrative:
I have contacted the Courts and have included their response. According to the United States Bankruptcy Court District of Nevada. The Bankruptcy Court does not report information to any credit bureaus. I demand that this information be removed from my credit report as it is being reported fraudulently. The courts didnt provide this information to you. The furnisher obtained this information from non-affiliated third parties. I demand immediate removal for the following account listed on my credit report : XXXX XXXX. Failure to do so will result in XXXX per violation of illegal report violations of my consumer rights. I have attached the Bankruptcy Court response below. 

I have also disputed this in the process with all three bureaus XXXX has deleted Experian and XXXX hasn't removed these items the credit bureaus are noon affiliated with third parties and can not report this information. I have attached the letter from bk court showing they have not to furnished nor do they report to credit bureaus.

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 2023-02-17 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: FL

Complaint narrative:
Account name XXXX Account number XXXX .... 
Recent balance {$240.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$240.00} written off. {$240.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$2200.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$2200.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
Important note Account name XXXXXXXX XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$13000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$10000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXX XXXX  Account number XXXX .... 
Recent balance {$800.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$810.00} written off. {$800.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$670.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$670.00} past due as of XX/XX/XXXX. 
Important note Account name XXXXXXXX XXXX XXXXXXXX XXXX  Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Transferred, closed. {$450.00} written off. 
Important note Account name XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Closed. {$680.00} written off.

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 2023-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
I received the notice of debt on XX/XX/XXXX. I sent them my identity theft report along with my proof of identity to challenge the debt as it was a case of identity theft. The account they claim is mine was opened for a XXXX XXXXXXXX account in XXXX when I was XXXX XXXX XXXX. They sent me a letter back showing purchases I didn't make as proof of debt ignoring my age entirely. I did not open an account with XXXX XXXXXXXX when I was XXXX XXXX XXXX & I did not have any income at the time to make the purchases they're claiming I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo Class Action Lawsuit I had a auto loan with Wells Fargo from XXXX. I have moved a few times since then and I am wondering if i am part of the class action lawsuit. I have not received a letter. I tried calling. I got a rep that did not know how to help and then forwarded me to a number that disconnected me. I don't have a current account there but I want to know if I am eligible to participate in their repayment.

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 2023-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had a closed Victoria Secret credit card. It was paid off, no balance owed. 

Someone unknown to me went into a store purchased items using my social security number on the keypad, with no card or ID present. This also re-opened my closed account. 

Commenity Bank calls me 8-12 times a day. Everyday, at XXXX they call my phone and wake me up from a deep sleep. ( I work late hours ). Throughout the day, they continue to call while Im at work using no caller ID, so I wont know its them. 

I feel completely harassed and over whelmed by the constant calls. Also, they want me to pay the balance on a card I had closed! I have no idea who stole my social security number, but they allowed someone to use it at the register by punching it into the key pad. It is THEIR fault for allowing the card to be re-opened and used, with no ID or card present. They failed to protect me as a consumer. I should of been called from the store to verify, or ID shown. 

I can not take this harassment any longer. Im desperate for help. I have a medically fragile son, who calls from unknown numbers often, so Im forced to answer these no caller ID calls in case it is him. 

8-12 calls a day I believe is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I purchased a new boat in XXXX with the loan eventually being serviced by Santander USA-account number XXXX. The loan was paid in full in XXXX of XXXX. Santander never filed a satisfaction of lien. I recently attempted to sell the boat and after multiple calls was able to get Santander to file a lien satisfaction however they filed it with the state of Florida. Since my boat was a documented vessel it is illegal for me to have a state title- I can only have a title through the XXXX XXXX XXXX XXXX I have been trying to get Santander USA to file the proper release with the XXXX XXXX I even hired a boat document company to fill out the proper forms and sent them to Santander XXXX They are still refusing to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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 the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX 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 an 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 or 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 2023-02-17 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 the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXXXXXX Account Number : XXXX Account Name : DEPTEDXXXX 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 an 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 or 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 2023-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I have called asking to have my santander checking account closed over the phone and they said they couldn't... I got a letter dated XXXX. 

I'm not paying a XXXX monthly fee since they decided to change the terms and name on this " simply right " checking now. I don't use the account anyway and there is only XXXX cents in there... 

They need to close the account immediately because I'm not paying XXXX to keep it open every month since I don't utilize it anyway... 
Send a check to the address attached to this complaint for XXXX cents with a letter stated you closed the Checking account with debit card... 

Checking ends in XXXX. 

And the debit card ends in XXXX. 

Thanks

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/2023 I requested a free copy of my credit report at XXXX, upon receiving this report, I noticed quite a few addresses amongst other that were either outdated or places that I have never lived. I contacted XXXX and Experian to address these matters. XXXX basically indicated they won't remove and/or update the information as it was reported to them and I should contact the companies that provided the invalid and/or inaccurate information. I did advise the agent that according to the FCRA my rights are being violated by them reporting invalid and inaccurate information. I also attempted to resolve the matter by submitting dispute requests on both bureaus websites only to receive information either the same day or next day that the information was verified or updated. In such case I am unsure how an address that I have never resided could be updated or verified.

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 2023-02-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/22 a purchase of {$83.00} I did not make on my Citi Diamond Preferred years was notified, they cancel card and issue me new card and they will revue and credited the XXXX XXXX.On XXXX new cards XXXX  has another fraud chg, same company in amt of {$160.00}. I called, they cancel card and issue a new card. Rep says he will take of this and credit acct. New XXXX  has a credit and then its added back on and now fees and interest starts to accumulate.All the while I am calling and getting nowhere or am being cut off, transferred to different depts, all the while thinking they are taking care of this. They are not. I would get form letters saying they are working on it, months go by and fees and interest are pilling up. I call and state to them that I am not liable and do not have to pay, they agree. Then in XXXX I get a letter from XXXX XXXX XXXX that the account is in debt collection. I contact them and tell them what is going on and they will investigate and they did.One month later they sent me a letter stating it is FRAUD and to contact Citi. I did via a Credit Report Dispute and Investigation form that I and none at Citi told me about fouund online. Sent that off with a written letter along with 6 attachments. Finally in XXXX I get a form letter from Citi with the same old info that they are forwarding to proper dept. This debt is less than $ XXXXand would think that it was in the thousands. I am now noticing that they have knocked my very good credit ratng down over 70 points.THIS IS MY GREATEST CONCERN. I hope this watered down explanation will help for the moment. The XXXX XXXX sent me every statement that they got from Citi as there reference material on this matter I can send anythying you need on my end if needed. Thank You from a consumer in XXXX yrears has never had a collection agency contact me for a debt!

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