vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2021-12-24 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2021-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
Hello, I am sorry to inform you that I dont recognize the debt of this business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I got scammed and unknowingly deposited a bad check. I filed a complaint with the ftc, as well as got a police report and filed a claim with the claims department. I hav all the correspondence from the individual that impersonated someone and scammed me. I know have a negative balance and theyre closing my account .i need help theres no way I can pay this back I was innocent I 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 2021-12-24 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2021-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXX I had over {$400.00} stolen out of my account. I immediately called Wells Fargo and demanded that they immediately return the money that was stolen. Their response, which should have been Yes, customer let me immediately return your stolen money. Instead their response was We could care less that your XXXX is ruined we refuse to give your money back until we sit on it forever because we are too lazy to do our jobs. I just want my stolen money back immediately, not in three weeks because these people will use everything from their laziness to this overblown pandemic to keep from doing their jobs! If it had been their holiday that was ruined by this theft or one of their buddies then they would bend over backwards to immediately fix it. I want my money back and I want Wells Fargo sanctioned!

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 2021-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: TN

Complaint narrative:
i am a victim of fraud alert and would like these fraudulent accounts and inquiries removed

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 2021-12-24 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: TN

Complaint narrative:
i am a victim of fraud alert and would like these fraudulent accounts and inquiries removed

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 2021-12-24 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: TN

Complaint narrative:
i am a victim of fraud alert and would like these fraudulent accounts and inquiries removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Coradius International LLC
State: AR

Complaint narrative:
XXXX sent me a collection debt notice, it is fruad. I dont have credit with XXXX  pay. And now I have a debt owe to XXXX. Its fruad.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: NC

Complaint narrative:
I've filed multiple disputes on accounts that aren't mine due to ID Theft.

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 2021-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Wire transferred $ XXXX to COINBASE to invest in CRYPTO XX/XX/XXXX & with some difficulty fulfilling all requirements account established & purchased crypto. 
XX/XX/XXXX, wire transferred another $ XXXX, followed same instructions & they received, & after three cases XXXX on XX/XX/21, another case XXXX on XXXX, last Case on XX/XX/21 XXXX, each time calling them on the phone & waiting over hour n half only to be told that everything looks fine & didnt see any problem & each time told couldnt resolve issue after some investigation & told me they would forward to higher authority to release account to enable me to use wired money to invest in crypto as I requested. 
NOW, going on 30 days holding my money without them offering any understanding of why wont allow since already invested the XXXX wire transferred on XX/XX/XXXX? 
The last outcome after calling once again, said hold time 30 minutes but took TWO HOURS, representative said she once again didnt understand why after her investigation was not able to trade??? She said she would consolidate all three cases to higher authority that would only communicate through email only after there complete investigation. 
Totally at my whits end with what can be done?? 
REQUEST to either allow me to trade or wire transfer my funds back to my financial institution. 
Email XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX Cell # XXXX My name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: NC

Complaint narrative:
I've filed multiple disputes on accounts that aren't mine due to ID Theft.

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 2021-12-24 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: NC

Complaint narrative:
I've filed multiple disputes on accounts that aren't mine due to ID Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: TN

Complaint narrative:
i am a victim of identity theft i need this resolved asap

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 2021-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal closed my account for no reason and it will not help me with getting it back up and going I am not sure if this is some mistake as i assume it has to be i have not been able to get help from them for months but i just remembered i could file a report on here as i feel they are not doing their job properly and it is affecting me a great deal as i used Paypal quite frequently My email linked to my Paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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 disappointed! I already tryied to fix my credit history and I send few times of complaints to you. These accounts not belong to me I think that someone have my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
capital one refused to increase my credit limit on my credit card. in XXXX of 2021 for credit score being too low this is violation of the XXXX and violation of my consumer rights. This is actually an adverse reaction toward me by capital one and discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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:
Im disappointed! I already tryied to fix my credit history and I send few times of complaints to you. These accounts not belong to me I think that someone have my personal information

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 2021-12-24 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 disappointed! I already tryied to fix my credit history and I send few times of complaints to you. These accounts not belong to me I think that someone have my personal information

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 2021-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: LA

Complaint narrative:
This is a continuation to my issues with TCF Bank/ Huntington . I am submitting the evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: VW Credit
State: TX

Complaint narrative:
Vw credit has violated 15 usc 1635 and 15 usc 1692d. 
They have admitted that it has no merit and this is another violation seeing as their actions and inactions are a violation of these U.S. codes. 

They have also failed to provide the disclosed material that was given to me in accordance with 15 usc 1635. 

VWcredit has admitted to an additional finance charge. This is illegal as it is supposed to be the sum of all charges. 

All actions against me since XX/XX/2021 when they received their dispute Of debt, are a direct violation of 15 usc 1692g ( d ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: IL

Complaint narrative:
Hello, I have recently checked all three consumer reporting agencies and notice PLENTY of inaccurate and false information on my credit report. Yes i have tried to send you all mail on all inaccurate information on my report but I have nit seen any changes or receive any mail back from you all in the past 30 days. These inaccurate reports I believe was one of the reasons I was denied of a job and can not get approved for a home for me and my family. These bureaus are required to report 100 % accurate information across the board or it must be deleted .Also I am highly aware that majority of these accounts do not have my written permission or a signed contract with me so they are all considered fraudulent and have stolen my identity. So not only are you all reporting false information it is also fraudulent information that must be removed from my report or we can go a step further and file a lawsuit and receive {$1000.00} per violation under my civil liability law.I would like to be treated fair and request that all accounts be removed from my consumer report being that they are third parties with NO business with me and will handle that accordingly as well. 

I know that under after any reinvestigation of any information disputed by consumer ( ME ) an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agencies shall promptly delete that item of information from the file of the consumer and if you are unable to provide me a copy of verifiable proof within 15 days after the reinvestigation you must remove these accounts below. 

1.XXXX  2.XXXX  3.XXXX 4.XXXX XXXX XXXX  5.XXXX XXXX XXXX 6.XXXX  XXXX 7.XXXX  XXXX  XXXX 8.XXXX  XXXX XXXX 9XXXX

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 2021-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Account Holder Name : XXXX XXXX Address of Account Holder : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Citbank Account No. XXXX On XX/XX/XXXX I opened up a Citibank Personal Checking Account under my name, XXXX XXXX. This was for a promotional offer where I was to get {$700.00} bonus if I place at least {$50000.00} in the account for 90 days. I placed {$51000.00} on XX/XX/XXXX into my Citibank Account no. XXXX. I check my bank account online weekly. When I went to check online on XX/XX/XXXX the citibank online website said that my account was BLOCKED. I called the Citibank customer support team several times and they said that they could not give me any information and that I will be receiving in 30-60 days a letter with an explanation. I then went to the XXXX XXXX Citibank and spoke with XXXX XXXX, an account representative. He told me the same thing. Meanwhile I do not know what is going on and where my money is. 
Please email me at XXXX. Thank you very much for your help with this. My phone number is 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 non-monetary relief
Consumer complaint received 2021-12-24 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/ 2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Macy 's card debt collection calls me 2 to three times a day. They called me twice on the phone number and 3 times on my wife ' number in 1 day. This is a violation of FDCPA. They have been doing this for the last 4 months. This is harassment.

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 2021-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: TX

Complaint narrative:
I don't have the exact dates but back around XXXX or XXXX I moved into some apartments in XXXX, TX and began to have trouble with staff they ran into my car with a cart I called the police and started having people throw stuff at car but ultimately had to leave had a parent with XXXX to take care of because my mom could no longer care for him she had XXXX. Left the apartment in good condition after staying there for 7 months no property was destroyed. Had one time XXXX XXXX XXXX XXXX XXXX XXXX but it was due to XXXX. I received a call from hunter Warfield collection agency saying they were going to sue me if I did not take care of it, but I received an outrageous bill like property had been destroyed which at the time I had pictures that I had taken before I left. Then now like every one or two days they are increasing the money I owe like they are trying to destroy my credit it's way to old for the amount to be increasing. I think they are literally doing it on purpose I have never seen anything where they increase balance owed every two to three days on credit report monthly maybe but this is illegal.

Company response to consumer: Closed with explanation