vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV

Complaint narrative:
I was getting emails & mail that " Citizens One '' was denying me credit ( XX/XX/2021 & XX/XX/2021 ) I ignored then initially because I thought if I clicked-in they would be the ones trying to steal my info ( I'd never heard of them ). Then XX/XX/2021 I get a email of a bill for XXXX and that I was late paying. So I went back in emails and found another one on XX/XX/2021 that they shipped a XXXX for {$880.00} bill. In between all the " denial of credit '' I never once received a " we opened your credit account '' - just a " past due '' amount weeks later. 

I called Citizens one on 4 occassions only to be told that I had to get to their dispute department and they'd send a package of credit fraud. On XXXX occasions I was disconnected. I then began getting phone calls everyday about a past due bill. I'd click to receive and always disconnected. I went on " Identy Theft.gov '' and filed a dispute. It said to stop my credit and write them. 

I put a credit freeze on XX/XX/2021. I wrote to Citizens one on XX/XX/2021 and it was sent back. Finally on XX/XX/2021 I received a call and was able to put in my dispute. I'm waiting on their " credit fraud packet ''. 

Also, since then I've had 2 banks call and someone was trying to open a credit card. Thank goodness I had the credit freeze. I explained the situation and of course no credit cards went out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: NC

Complaint narrative:
I sent Transunion a letter disputing the validity of the bankruptcies they are reporting on my credit report. They responded with a letter stating that they " verified '' these items through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could not verify these items so they deleted them from their database. 

I then went back to Transunion and provided them documentation from XXXX XXXX stating the bankruptcies have been deleted and also informing them that if they could not reveal how they truly verified these items they must be deleted according to the FCRA. They have continued to deny my request to remove these erroneous items. These items should be deleted from my Transunion report just as XXXX and XXXX have already done so.

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 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I have sent dispute letters and debt validation letters on XX/XX/2021 and XX/XX/2021 in regards to WELLS FARGO account number XXXX. The date last reported is inaccurate across all three credit bureaus. According to 15 U.S. Code 1679c. A consumer has the right to dispute and correct an inaccuracies found on their 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 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX of inquiry XX/XX/XXXX XXXX-Date of XXXX XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hard inquiries done on the same day are showing up multiple times as hard inquiries and affecting my credit. 

There are XXXX  on XX/XX/2021 as they looked at car financing options. 
There are XXXX on XX/XX/2021 as they looked at car financing options. 

I was told that these should only be XXXX hard inquiry as they are 45 days apart.

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 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The following Hard Inquires are unauthorized and unverified. Per the Fair Credit Reporting Act these must be removed from the credit bureau Equifax. 

XXXX XXXX  NA Date : XX/XX/2021 XXXX XXXX Date : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2021 XXXX  XXXX  XXXX XXXX XXXX  Date : XX/XX/2021 XXXX  Date : XX/XX/2021 XXXX & XXXX XXXX  Date : XX/XX/2021 XXXX XXXX Date : XX/XX/2021 XXXX Card Date : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: KY

Complaint narrative:
I disputed that I owed the debt that XXXX claims I owe, and they acknowledged it and said that they would stop contacting me until they provided me with verification of the owed debt. A few days later, they continued collections actions. They also continued to email me despite the fact I requested that they send me only physical mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX  XXXX  Date of inquiry XX/XX/2020 XXXX XXXX  Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 XXXX  XXXX  Date of inquiry XX/XX/2020 XXXX XXXX XXXX  Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX XXXX  XXXX of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ATG Credit, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX reported a collection of {$110.00} & {$410.00}, and XXXX XXXX reported {$120.00} to the credit bureaus from XXXX and XXXX. I reached out to XXXX, who also handled the billing for XXXX at that time, and confirmed they had been receiving returned mail as undeliverable ( from a wrong address ). I asked them to confirm the address they had on file and found out they had the wrong address which means, I never received any letters, nor did I receive any calls about this debt. I asked them how can they report something to my credit file when I never received any communications to try and resolve the debt. As of today, I have paid the debt and asked that the collections be removed from my credit file, considering they never tried to locate a good address to send me communications. 

I am asking that all adverse reporting be removed from my credit file immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX sent me an offer with personal code : XXXX stating that I would receive a " {$XXXX} BONUS ' for opening a XXXX  Checking account, enrolling in on-line banking within XXXX days of opening & then making {XXXX  total deposits within XXXX days. VERY straightforward, little or no room for confusion -- then finally, your {$XXXX} bonus would be directly deposited to your checking account within XXXX days of completing requirements. 

On XX/XX/XXXX I opened checking account by phone with the branch @ XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. This took approx. XXXX minutes but there were no problems. I asked if it would impact my credit-they responded not a hard check so no it would not. This indicated to me that they were going to check my credit history before approving account. My credit score is literally VERY CLOSE TO PERFECT! I deposited via credit card by phone ( on same initial call ) the minimum requirement of XXXX proceeded by XXXX separate deposits of {$XXXX} & {$XXXX on XX/XX/XXXX & XX/XX/XXXX totaling the {XXXX that they required to qualify for ALLEGED {XXXX} BONUS. 

On morning of XX/XX/XXXX, I went to check my XXXX Checking balance only to find out that it had BEEN WIPED OUT TO XXXX!!! Only thing that showed was an 'Account Withdrawal ' Pending for {$XXXX with no explanation. THIS IS HOW I FOUND out that someone had shut down my account, again 0 explanation. I called their Customer Service and was told I had to go into a branch, which I did in XXXX XXXX XXXX, XXXX  which I did that same day. They said they couldn't say what happened -- that I had to call customer service. This began a XXXX  day circus of each telling me I needed to check with the other -- cust. serv. via phone blaming branch & viceversa. I then went to XXXX XXXX XXXX. branch in XXXX XXXX, XXXX  on XX/XX/XXXX to meet with their 'FRAUD claim ' dept ( made online appt ) to see if I had better luck determining what happened. Same game -- no answers. 

They have responded that on XX/XX/XXXX a check was cut for XXXX} to be sent back to me within XXXX business days but no reason for my account being shut down like that. They seemed to think that I should be fine with that. SO, after wasting all my time & effort, I've still yet to receive my {$XXXX} that I deposited ( I requested they cut me a check there or cash would be fine, they weren't doing that ) NOR AM I RECEIVING THE so called {XXXX} BONUS! I don't know what kind of fraudulent scam they're running trying to increase their business, but this is incredibly UNETHICAL to say the very least.

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 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: AR

Complaint narrative:
LexingtonLaw has been assisting me in removing items from my credit report. Who has been charging me {$120.00} each and every month. These items that they made a commitment and promised to me. That these items would be removed from my credit report. And credit score would increase. I personal has been doing all the work. By becoming a member of the three credit agencies XXXX, XXXX and XXXX. By disputing these negatives on my credit report. Providing them with supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and XXXX XXXX XXXX immediately : Wrong Addresses : 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 2021-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello, I notified Santander Bank on XX/XX/21 regarding XXXX XXXX atm withdrawals made on debit card whicht totaled {$2500.00}. I filed a fraudulent claim with the bank as well as filed a police report regarding these fraudulent atm withdrawals. I received a letter from Santander dated XX/XX/21 which stated that my claim was denied due to no error by the individual who used my pin. I vehemently protested this as I let them know I would never share my pin for the debit card intentionally to anyone. I re-filed my claim on XX/XX/21 wwhich was also denied per the conversation with a santander claim 's representative on XX/XX/21. I have re-filed once more with Santander on XX/XX/21 who have notified me that this will be last attempt with this claim.

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 2021-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Direct Recovery Services, LLC
State: TX

Complaint narrative:
Received a phone call from XXXX ( XXXX ) XXXX that left a voicemail with a man identifying himself as XXXX demanding that I called him back at XXXX as he and his company spent enough time and resources to locate me to pay a debt in which I have no knowledge of this company or who theyre trying to collect for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
VIA XXXX XXXX XXXX 1. After monitoring my credit, the name of XXXX XXXX  with attached Account # XXXX appeared on my credit profile. 
2. On XX/XX/XXXX, through XXXX XXXX XXXX ( Exhibit 1 ) requesting the inaccuracies of reporting and requested documentation for validation. 
3. No validation of requested information for XX/XX/XXXX 4. Another request submitted through XXXX XXXX XXXX XX/XX/XXXX ( Exhibit 1 ) requesting documentation of data reported on my credit report. 
5. No validation/verification of requested information for XX/XX/XXXX. 
6. Mail certified Letter on XX/XX/XXXX ( Exhibit 2 ) requesting validation according to my rights as a consumer 7. On XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) verified deliverable with signature ( Exhibit 3 ) 8. On XX/XX/XXXX, mail letter regular mail requesting validation of signature ( Exhibit 4 ) 9. Received no other response or documents verifying. 
10. On XX/XX/XXXX after dispute with XXXX XXXX XXXX  responded with ( Exhibit 5 ) XXXX XXXX has responded stating receiving letter concerning ACCT XXXX ; then states not enough information to locate record 11. Reporting on my credit profile starting XX/XX/XXXX through present to date as of XX/XX/XXXX ( Exhibit 6XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Do not feel comfortable giving my Social Security Number. 
12. This is unacceptable to be treat as such and unfairly as a consumer and my rights to request verification with original contract. I have been communicating with above XXXX XXXX  for well over XXXX ( XXXX ) years. It has been well past the timeframe of and the XXXX, XXXX, XXXX  days allotted to submit requested information has expired and this account must be remove/deleted from my credit profile along with discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: NY

Complaint narrative:
An account was opened in my name and I didnt give any one permission to do so I was informed by the irs that my funds have been being sent to an account that I didnt open I just want what belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$10000.00} XXXX XXXX {$9200.00} XXXX XXXX {$4800.00} XXXX XXXX {$0.00} XXXX {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
I am XXXX in XXXX XXXX veteran with XXXX surgeries. Well Fargo gave someone {$80000.00} out of my checking to someone and to another bank. Someone sent my check and no signature to wells Fargo. Wells Fargo gave the money to someone without proper support paperwork. I nee the name of bank and person making the transaction. it has been XXXX months since my first complaint and no money or explanation. It is time for wells Fargo to stop stealing old retired XXXX  veteran who has a XXXX and can not read. Wells Fargo is so big they can do anything with no consequences. This is a case of theft from a XXXX abuse and they do nothing.

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 2021-11-18 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: TX

Complaint narrative:
I sent the credit bureau a letter on XX/XX/2021 disputing inaccurate on accounts on my credit report and requesting they provide me with the procedures used to validate this inaccurate information. They again responded to me with verified results even though I have been disputing these problematic accounts for over 1 year now. They are violating the FCRA by not conducting a proper investigation into my disputes. This is my first of many complaints because they have violated my rights as a consumer numerous times while continuing to report inaccurate information. I have followed the instructions of the FTC and CFPB. Something needs to be done about this company.

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 2021-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hard inquiries done on the same day are showing up multiple times as hard inquiries and affecting my credit. 

There are XXXX on XX/XX/2021 as they looked at car financing options. 
There are XXXX on XX/XX/2021 as they looked at car financing options. 

I was told that these should only be XXXX hard inquiry as they are XXXX days apart.

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