vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-04 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3800.00}, {$5700.00}, {$9100.00}, {$11000.00}, {$14000.00}, {$13000.00}, {$10000.00}, {$6000.00}, {$14000.00}, {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and  the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$11000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNTS 9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 11. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2020 with a balance of {$13000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
The following Reported information listed on my Chex Systems Consumer ID Report : XXXX is fraudulent, unauthorized and not mine : XXXX XXXX XXXX, {$990.00}, 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, the 9 Inquiries Viewed By Others listed on my consumer report is unauthorized and fraudulent, and the 18 Inquiries Viewed Only By You is fraudulent and unauthorized.

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 2020-07-04 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: National Credit Systems,Inc.
State: NV

Complaint narrative:
On my previous complaint against National Credit System complaint number XXXX I stated the unprofessional way that I been treated by National Credit System and letters that I have sent to them about a debt verification for the account that they are reporting to my credit report. They resolution yo complaint XXXX was the following, STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response NCS has completed an investigation of all seven social security numbers associated with Mr. XXXX. One is confirmed bankruptcy so we have closed this account and requested a removal from his credit report. Thank you. 

At this point that account still showing in my credit report affecting my financial reputation and been affecting me for years because National Credit System failed to appropriately investigate the several disputes that I been sending to them and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: NV

Complaint narrative:
On my previous complaint against XXXX XXXX XXXX complaint number XXXX I stated the unprofessional way that I been treated by XXXX XXXX XXXX and letters that I have sent to them about a debt verification for the account that they are reporting to my credit report. They resolution yo complaint XXXX was the following, STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response XXXX has completed an investigation of all seven social security numbers associated with XXXX XXXX. One is confirmed bankruptcy so we have closed this account and requested a removal from his credit report. Thank you. 

At this point that account still showing in my credit report affecting my financial reputation and been affecting me for years because XXXX XXXX XXXX failed to appropriately investigate the several disputes that I been sending to them and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
The following Citibank Client Services checking account : XXXX is fraudulent, unauthorized and not my checking account. I never applied for a checking account online with Citibank.The checking account isnt my account and dont belong to 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 2020-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I am a victim of the scam and I want both Zelle and XXXX XXXX to work together to remedy the situation. In XXXX this year, I tried to sell my car ( XXXX  XXXX XXXX XXXX on XXXX at {$1200.00} and a buyer named " XXXX XXXX '' sent me, by XXXX, a cashier 's check issued on XX/XX/XXXX, which now the XXXX  XXXX XXXX has formally confirmed as fraudulent ( see the attached XXXX  XXXX XXXX response to my CFPB complaint # XXXX ). When I received the check on XX/XX/XXXX and immediately deposited it into my XXXX  XXXX XXXX account, the buyer told me that by mistake she sent a {$3500.00} check including the fee for the mover that she hired ( {$2200.00} ).  She asked me to take my share ( {$1200.00} ) while wiring the remainder ( {$2200.00} ) to the XXXX XXXX account of the mover named " XXXX XXXX '' via Zelle ( Zelle Transfer Conf # XXXX ; XXXX ), which I did on XX/XX/XXXX. When I realized that it was a scam, I immediately contacted Zelle and also XXXX XXXX about the scam. Fortunately, the scammer got back to me complaining that the mover 's bank account at XXXX XXXX got blocked. However, neither Zelle nor XXXX XXXX has opened an internal investigation and made an arrangement to get the money back to me. I am attaching five documents : 1 ) the XXXX XXXX XXXX XXXX response to my CFPB complaint ; 2 ) my original FBI report ; 3 ) my supplemental FBI report reporting the blocking of the scammer 's XXXX XXXX account ; 4 ) my local police report ; and 5 ) all evidence of communication with the scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: NV

Complaint narrative:
I spoke with a manager or supervisor in XXXX  to dispute unauthorized or fraudulent inquiries in my credit report and I was informed that they can't dispute credit inquiries, I explained them the following An unauthorized or inaccurate hard inquiry. XXXX  as consumer credit bureaus must investigate dispute requests unless they determine your dispute is frivolous which is not the case. Also I asked XXXX  to allow me to block and Unblock my credit report from my phone app while I am not using my credit and they letted me know that since I been a victim of fraud they can't allow me to use the block option. I think this is complete unfair also they don't allow me to dispute information online from XXXX  website. 

I was told by a XXXX manager that they dont care about CFPB complaint so they respond with that my complaint is a potential fraud and the case gets close and I tried anyway but that that is what they did, they responded as potential fraud and case got closed. 

I dont think this is fair, XXXX  is violating the Fair Credit Reporting Act law and CFPB dont do something about that. 
XXXX  have several incorrect information in my credit report and they dont care about disputes or anything like that they dont even responde to my dispute with the supporting information requested by me because they dont have information requested but they dont remove the reported information form my credit report either.

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 2020-07-04 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XXXX XXXX my credit card was used without my permission, I notified the bank in a time manner but the Bank failed to investigate appropriately my case and at the end they denied my case without providing a good reason for the denial. 
Bank ended reporting this balance to credit bureaus and late payments as well and I was not informed that I have to keep making payments for a balance resulted in purchases that I never approved. 
Transactions information : {$360.00} XXXX XXXX ( XXXX ) {$42.00} XXXX XXXX Georgia Wells Fargo applied fees and interests to those transactions in the mean time that I was waiting for them to complete the investigation. 

I been trying to resolve this situation from almost a year ago and I dont have any positive outcome, I had to pay the money with all the fees and interest applied by Wells Fargo.

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 2020-07-04 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I had a credit card with Navy Federal Credit Union for about XXXX, I got injured pretty bad in XXXX and was in the XXXX for about 14 months. I had a XXXX  XXXX  as well. When I around to my affairs, i was very delinquent on several banks. When I contacted NFCU, they seemed not to care. So in XXXX i was sent settlement offers and we finally settled the account. in XXXX, i went to log on to the website to check my accounts i could not. They eventually assisted me and i then I was told i owed them XXXX  on my credit card. I pulled my credit report and i saw the account was charged off and closed. So my question, how do i still owe them if they wrote it off as a loss in XXXX or XXXX. It also is being reported badly on my credit reopen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am a victim of the scam and I want both XXXX and Wells Fargo to work together to remedy the situation. In XXXX this year, I tried to sell my car ( XXXX  XXXX XXXX XXXX on XXXX at {$1200.00} and a buyer named " XXXX XXXX '' sent me, by XXXX, a cashier 's check issued on XX/XX/XXXX, which now the XXXX  XXXX XXXX has formally confirmed as fraudulent ( see the attached XXXX  XXXX XXXX response to my CFPB complaint # XXXX ). When I received the check on XX/XX/XXXX and immediately deposited it into my XXXX  XXXX XXXX account, the buyer told me that by mistake she sent a {$3500.00} check including the fee for the mover that she hired ( {$2200.00} ).  She asked me to take my share ( {$1200.00} ) while wiring the remainder ( {$2200.00} ) to the Wells Fargo account of the mover named " XXXX XXXX '' via XXXX XXXX XXXX XXXX XXXX # XXXX ; XXXX XXXX, which I did on XX/XX/XXXX. When I realized that it was a scam, I immediately contacted XXXX and also Wells Fargo about the scam. Fortunately, the scammer got back to me complaining that the mover 's bank account at Wells Fargo got blocked. However, neither XXXX nor Wells Fargo has opened an internal investigation and made an arrangement to get the money back to me. I am attaching five documents : 1 ) the XXXX  XXXX XXXX 's response to my CFPB complaint ; 2 ) my original FBI report ; 3 ) my supplemental FBI report reporting the blocking of the scammer 's Wells Fargo account ; 4 ) my local police report ; and 5 ) all evidence of communication with the scammer.

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 2020-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My Citibank checking account was involved in fraudulent activity in XXXX I received a check for {$2500.00} which I deposited right after that a XXXX transfer was made for {$2000.00} leaving my account with {$500.00} and {$600.00} I had for my rent. The bank debited the fraudulent check for the of {$2500.00} and now this account is negative. I contracted them for about 2-3 weeks about this they stated that the check was fraudulent but couldnt prove the XXXX was and that was that and that in 60 days I would be sent to collection for it. Now Citibank has started to garnish my other checking account I have with them that is not linked to the other one and when I reached out to them to today XXXX one representative told me it shouldnt have happened they can have it reversed and the other rep told me that I cant have my money back. So I am stuck and defeated.

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 2020-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
The following Wells Fargo Opportunity Checking Account : XXXX is fraudulent, unauthorized and not my account. I never applied for or opened this checking account online. Its a fraudulent checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i have been trying to rebuild my credit because i was one of the people affected by the XXXX  breach. i have had no trouble with XXXX  lately and XXXX. all my information is up to date but transunion refuses to cooperate with me, and most times i apply for any type of credit or loan transunion is who they look too. i know by law i am allowed my credit report from all three at least once a year. transunion will not let me change my address phone number or other personal information i have been living at my same addres for 9 years and they still have the previous as my living address ive written to them emailed them but each time they want me to pay to unlock my report and make changes i am XXXX and XXXX  and these are trying times for everyone. but when i cant get the credit deserved because of transunion they should be held accountable.

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 2020-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: WI

Complaint narrative:
I am trying to link my account with XXXX and you are locking them out. I do NOT like being told what I can and can not do with MY money. If you do not correct this soon I will take MY money to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: WA

Complaint narrative:
XXXX  XXXX put on my credit report a charge off that belonged to my son. He was scammed In his checking account and his account had a balance. I reached out to XXXX  XXXX to tell them I didnt know his account was scammed. Hes XXXX and I helped him open it at XXXX. I paid the {$1800.00} he owed and it was suppose to be removed from my account since I wasnt aware it went to collections and he was scammed.

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 2020-07-04 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: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/ and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: MONEY SOURCE, INC., THE
State: NV

Complaint narrative:
My last complaint I see was closed but it was not fixed. I responded but I see that my complaint is listed as closed. I simply wanted my mortgage company to report my mortgage and perfect payment history to all 3 bureaus. I complained to the CFPB after The Money Source failed to respond to me after many attempts. The Money Source responded that I was correct and they would report. They reported wrong. 
1 ) They only reported to one bureau. Is this how they treat other customers? Why are they treating me different? 
2 ) They only reported 4 months, their response said they would report from XXXX. 
3 ) They reported that my mortgage is completely paid off and that my account with them is closed. I have an open account with them {$190000.00} mortgage.

Company response to consumer: Closed with explanation