vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-22 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: NM

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX  Balance : {$270.00} XXXX XXXXXXXX Balance : {$290.00XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$740.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-04-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2023-04-22 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I received multiple calls from Citi bank about suspicious activity on my account and that I needed to call them to verify charges made. I called them and confirmed that my account was compromised and that the card needed to be destroyed and new ones issues. I spoke to 3 different people who assured me that the account was locked and new cards were going to be sent my way and I would receive them in 3 days. I reviewed my account today XX/XX/XXXX and more charges were made. I immediately called Citi and I spoke to another person who confirmed that the card was not cancelled and that in fact nothing had been done. At this point I was livid as I spent over an hour handling this with the agents and nothing was done. She then told me she also couldnt do anything and that a manager needed to call me in about 24 hours. No call has been received and my account is still compromised and nothing has been done to prevent further fraud on my account. This has been failure after failure in account security and regulation Z of the federal reserve board violation.

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 2023-04-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i was contacted XXXX told i have a claim at Wells fargo XXXX on XXXX i was told the case was closed due to my not responding to their contact. on XXXX, no call had been made. no phone number on record as having been called. 
i had responded on XXXX the case was reopened XXXX XXXX told to wait 10 days. when i called back i was told the case had never been reopened and i had been lied to by the girl who told me someone had tried to cash cashiers checks written to me. i was raged on while i was standing in the bank in XXXX on XXXX laughed at. asked my mothers name. not asked her maiden name. teller told me i needed to give that. the case was only reopened after i said i was calling the police. 
XXXX. new case openedXXXX. it went from mother buying me a cashiers check to mother buying herself a cashiers check 12yrs after she passed. I called the XXXX police XXXX reported everything, identity theft i have been raged on and told just to walk away non stop. laughed at. told i can not prove i was left anything. raged on. i only got a case worker after i requested an Attorney contact them thru social media. called pd a week ago, officer said they had the info from investigating. i asked them to call the bank on Monday and speak with XXXX XXXX went thru 5 case workers. told by management no one had done anything XXXX got XXXX as case worker. they claim they are doing research, which they claimed before. they still have not done anything. today i called to check. was told new case worker called me, that i did not respond. no phone call came in. none. no message left. they had my number on record. I am being called a liar. told to provide my mothers death certificate and proof that i have the right to handle her affairs. the check was bought for me. some one tried to cash it and was stopped by law. i am being verbally and mentally abused by them. they will do nothing even with law stepping in. I can not tell you how many times the case was closed, this after they were told i did not know what i was left. they demanded i show them proof, raging on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
When I XXXX open a Wellsfargo checking account back in 2010 or so. Almost every month for quite sometimes my checking account were getting overdraft fees almost most of all the time and because of that I found myself struggling financially. Recently I've apply for a Wellsfargo visa credit card and when making payments I've noticed my balance it gets higher instead lower balance and it's kind if confusing to read the statements, cause it really doesn't show you the previous balances to confirm if your current payment has lower the current balance. They Also charge to many overseas fees, is one issue I don't understand. 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 monetary relief
Consumer complaint received 2023-04-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I purchased a new XXXX XXXX XXXX in full. I then purchased that same day an insurance policy with Progressive Auto Insurance, which I also paid a full term of insurance in 1 full payment in the amount of {$5900.00}. My policy number was XXXX. Now its very important to know 2 very important things that have Progressive contradict their arguments about me owing any amount of money to them : 1 ) my policy went into effect on XX/XX/XXXX, XXXX XXXX, XXXX approximately a month after purchasing my new vehicle due to the dealership needing to ship it from California because I discovered the vehicle on Fords website and was willing to be patient enough to wait. 2 ) its not possible to owe progressive auto insurance or owe money for anything that includes progressive insurance because I have only had progressive insurance for the one aforementioned policy/period above in XXXX ( on my credit report it shows a complete different year of coverage in XXXX ). Which means that I didnt make only one payment for auto insurance in full satisfaction. I have concrete proof of everything that I explained to a T, because I will be attaching the all applicable documents of my policy declaration which corroborates everything that Im disputing directly disproves any monetary value owed to Progressive insurance. Despite me having to explain everything that I am explaining now for the 4th time & be denied by XXXX of the obvious mistake that is negatively impacting my credit score Im trying so hard to develop responsibly. It remains a heavy burden on growing my credit score effectively and progressive seemed to only care about me as a customer when money was involved. So now a collection company is involved Caine & Weiner harassing me and ruining my progress made with my credit score for the owed amount {$1400.00}, I have proof that I paid every XXXX in one single transaction. I demand justice and the right course of action be taken to remedy this situation please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: MD

Complaint narrative:
I have contacted Trans Union several times requesting them not to share my Transactions and experiences with third party companies. They keep saying that there information is validated. I have explained to them that I never ask them about validation. They keep violating my consumer rights. This illegal reporting has damaged my reputation. It has caused harm and to my family and financial damages. The are LEAGALLY OBLIGATED to remove such items from my consumer 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 explanation
Consumer complaint received 2023-04-22 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$5600.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00} ; XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/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 2023-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX : {$5600.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00} ; XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/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 2023-04-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$5600.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00} ; XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
the Citi bank closed my checking account, and until now didnt refund my money was in 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 monetary relief
Consumer complaint received 2023-04-22 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
XXXX opened my information and have people posting trash on my record. Every fake, none sense and outdated account they presented for collection, XXXX say sure, put it in. When I make a dispute, XXXX denied my request, and said that they are his partner or the bills are correct as it is. For example, {$15000.00} from XXXXXXXX XXXX XXXX XXXX. I was I there for about XXXX months and the apartment has snakes and molds, so I moved out with notice. And I notified the court of clerks. XXXX XXXX XXXX pretending that they got me evicted. I never received and eviction paperwork. I checked with the clerk of court, the clerk of court said they brought a paperwork for eviction, I was already moved out. Also, the clerk of court said the do not no about the lawsuits of {$15000.00}. The owner abuse his power to abused me. I hand up lost all the money from my saving, and my job to leave in motel as a homeless. I am seeking financial damages from XXXX Again, a feral retail account that closed due to data breaches. XXXX help them post it so many time with a creation of new account number. I do not owe that debt. Someone else was shopping on my name while I was shopping for furniture online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: FL

Complaint narrative:
TransUnion opened my information and have people posting trash on my record. Every fake, none sense and outdated account they presented for collection, TransUnion say sure, put it in. When I make a dispute, TransUnion denied my request, and said that they are his partner or the bills are correct as it is. For example, {$15000.00} from XXXX XXXX XXXX XXXX. I was I there for about two months and the apartment has snakes and molds, so I moved out with notice. And I notified the court of clerks. XXXX XXXX XXXX pretending that they got me evicted. I never received and eviction paperwork. I checked with the clerk of court, the clerk of court said they brought a paperwork for eviction, I was already moved out. Also, the clerk of court said the do not no about the lawsuits of {$15000.00}. The owner abuse his power to abused me. I hand up lost all the money from my saving, and my job to leave in motel as a homeless. I am seeking financial damages from TransUnion Again, a XXXX XXXX XXXX that closed due to data breaches. TransUnion help them post it so many time with a creation of new account number. I do not owe that debt. Someone else was shopping on my name while I was shopping for furniture online.

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 2023-04-22 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: CT

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX XXXX account number XXXX XXXXXXXX, XXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX XXXX account XXXX XXXXXXXX, 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 602 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 explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: MO

Complaint narrative:
I got a title loan on my motorcycle for roughly XXXX dollars the bike was stolen 2 weeks later I reported it to them but they wouldnt stop intrest which was outrageous I told them the loan would be paid by insurance soon ling story short it took me a month to settle with XXXX an interest was going up daily so it end up costing me an extra XXXX dollars that it shouldnt have and I want my money back it was for a XXXX XXXX I could have gotten the bike back from insurance when they found the bike but didnt have the money because they got majority of my insurance check of XXXX dollars all for a XXXX dollar loan for 2 weeks. On top of that I get a letter stating they lost my ss number and all important info of mine due to a security breach so I think this company owes me money.. I was trying to buy a house and my info is out there somewhere being used by who knows. So what happens to them for giving my personal info out to a hacker that will try an ruin me even further the motorcycle i lost the chance to recover from being stolen was my dream bike and never will get a chance to own it it was a pristine condition bike worth XXXX dolllwrs to me atleast original paint low miles one of a kind survivor I hate this company for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a check written out to me for {$6000.00} that is from Chase Bank. It is a third party check, as a payment from a customer. Chase bank in XXXX Ca XXXX and XXXX Ca XXXX both refuse to cash the check because I don't have an account with them. I showed two forms of ID, and the writer of the check was willing to verify her information and the information on the check. The check was written yesterday and the money is in the cleints account. Its Their check and the money is in my clients accout. They are witholding the money from me. They cant even back up their own check, so the check is basically garbage then. What type of bank doesnt cover their own checks!? Thats what they're there for

Company response to consumer: Closed with explanation