vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-20 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: SHABANA MOTORS
State: TX

Complaint narrative:
I have several accounts on my credit report that do not belong to me. I have been fighting this for months. 

These following accounts are not mine : Shabana XXXX XXXX XXXX XXXX XXXX I have no knowledge of these accounts. I have reached out to the creditors but I have not received any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC
State: TX

Complaint narrative:
Good Afternoon, I am formally disputing this alleged debt that Northstar Alleges I owe to them. I do not know this company, I've never heard of them, and have no prior relationship with them. I do not owe this debt to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: FL

Complaint narrative:
In accordance with the Fair Credit reporting Act XXXX XXXX, XXXX XXXX has violated my rights. 

15. U.S.C 1681 section 602 A : States I have the right to privacy 15. U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account with my written instruction.

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 2022-07-20 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: FL

Complaint narrative:
In accordance with the Fair Credit reporting Act XXXX XXXX, XXXX XXXX has violated my rights. 

15. U.S.C 1681 section 602 A : States I have the right to privacy 15. U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account with my written instruction.

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 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX, I payed a bill by check to XXXX XXXX  ( XXXX ) on XX/XX/XXXX that was altered to {$1000.00} and cashed. The check was quite visibly altered and nevertheless cashed in XXXX XXXX, CA. In a XXXX XXXX Bank, XXXX XXXX XXXX on XX/XX/XXXX at noon And deposited into the account. Of XXXX XXXX, reference payroll. Since XX/XX/XXXX I am dealing with this fraud through my bank, BMOHarris ( XXXX XXXX ) XXXX XXXX, XXXX, Illinois. The bank finished the required inquiry and submitted it to XXXX XXXX XXXX on XX/XX/XXXX. Since then I was told by the XXXX. Of the BMOHarris bank, that it is no longer their problem. That I need to deal with XXXX XXXX where the check was deposited. After trying my hardest to to connect with XXXX XXXX XXXX XXXX. I was told by XXXX XXXX XXXX XXXX : 1 ) they will give no information since I do not have an account with them, 2 ) they do not talk to third parties, 4 ) for fraud cases it is only bank to bank.

I found out through a complaint to the XXXX that the bank that represents me should be the bank in which I have an account, BMOHarris Bank. when I go to the BMOHarris bank, the XXXX XXXX XXXX tells me XXXX ) we will not pay you, XXXX ) Deal with XXXX XXXX, they have the money, XXXX ) It is not our fault, you signed the check. I need help since it will soon be a year And I have no solution to the problem and this has caused me financial difficulties

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 2022-07-20 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: C/C Financial
State: TX

Complaint narrative:
I have several accounts on my credit report that do not belong to me. I have been fighting this for months. 

These following accounts are not mine : XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of these accounts. I have reached out to the creditors but I have not received any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/2022 multiple charges were made at the retailer XXXX 's XXXX on my XXXX XXXX. The first transaction of {$1700.00} went through whereas the others were denied. I received a notification and immediately called to report the fraud. I am not a XXXX 's XXXX member and have never had an XXXX 's XXXX transactions on this credit card. I was told by the telephone representative that a pin number had also been set up and there were cash withdrawals. I told the telephone representative that both the XXXX 's XXXX charges and cash withdrawals were not made by me. I have never made a cash withdrawal from this credit card or any credit card that I have. Although I still had the credit card in my possession, a new card with the same credit card number had been sent out since the card in my possession had a XXXX expiration date. This new card is the one that was stolen. I was immediately issued a new card with new number and the fraudulent charges and cash withdrawals were removed from my account. On XX/XX/2022 I received a letter that was date XX/XX/2022 stating that since the card was in my possession, they consider the transaction of {$1700.00} to be valid and have placed it back on my account. Oddly, there is no postmark on the envelope. On XX/XX/XXXX, I called to dispute the findings and was told that a representative should be contacting me within 10 days. On XX/XX/XXXX, an autopayment was withdrawn from my bank account which included payment for the {$1700.00}. On XX/XX/XXXX, I made a follow up call and was told my dispute from XX/XX/XXXX had not been reviewed. The representative I spoke with on XX/XX/XXXX said that she would escalate this to a complaint and that I should hear back within 5 days.

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 2022-07-20 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: OneMain Finance Corporation
State: GA

Complaint narrative:
My information was compromised online, & someone used my identity & banking information to open an account online in my name without me noticing until I checked my credit report. The company with the loan in my name thinks its me because my information was stolen which is fraud but they do not care. company called one main financial

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Someone needs to call me from the corporate offices of Wells Fargo about the staff in your applications department. I have attempted repeatedly to get ahold of them and they have not let me speak to them and I keep getting agents off shore.

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 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dispute : case ID | XXXX XX/XX/2022, I received some genuine info and true facts from one supervisor at Citibank dispute department XXXX The supervisor was genuine and honest and gave me the true correct info. 

On XX/XX/XXXX I asked XXXX to withdraw the complaint, he did not. On XX/XX/2022, I spoke with the supervisor named XXXX at XXXX pm who confirmed the dispute was withdrawn on XX/XX/XXXX by XXXX. XXXX lied to me to cover XXXX 's back and went ahead and withdrew the dispute behind the scenes. XXXX said that on XX/XX/XXXX which is the same day the merchant apparently sent paperwork to Citibank. Another XXXX  supervisor from XX/XX/XXXX told me I already lost the dispute on XX/XX/XXXX because according to this XXXX supervisor Citibank received paperwork from the merchant on XX/XX/XXXX when I apparently lost the dispute. I have been recently informed that the merchant never sent any communication to Citibank at all regarding that dispute. All these supervisors from XX/XX/XXXX have given me misleading information and have put fake misleading notes in my account under this dispute transaction of {$150.00}. 

I would like to know why this happened. Why did XXXX not withdraw the complaint on XX/XX/XXXX? Why did XXXX XXXX to me and withdraw the complaint behind the scenes? Why did XXXX lie that on XX/XX/XXXX Citi received paperwork from the merchant when the truth is the merchant never sent any paperwork to Citi. Why did the other male supervisor lie to me that I lost the dispute on XX/XX/XXXX because the merchant sent paperwork to Citi on XX/XX/XXXX, when the fact is the merchant never sent any paperwork to Citi. WHY SO MANY LIES AND MISLEADING INFO FROM CITIBANK DISPUTE DEPARTMENT ON 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 2022-07-20 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:
I previously asked for an investigation as this company is not providing information that is accurate. This company is reporting that this account is paid in full a payment and I'm asking if this is true can they provide proof of paid in full. This company can not provide me with proof because this account is in litigation with a balance and this company is providing information that's not factual data on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have a Wells Fargo credit card. I was offered a promotional balance of XXXX XXXX for a transfer fee which I accepted and was charged that transfer fee. Subsequent to the balance transfer, I made a purchase of {$280.00}. Within 8 days of that purchase ( within the grace period ) I submitted payments totaling {$300.00} as well as the minimum payment due ( before and after that billing cycle ). I was surprised to see that Wells Fargo was charging me interest at the regular purchases rate for that {$280.00} purchase. Instead of allocating my payments towards that purchase, Wells Fargo is allocating payments towards the promotional rate balance that is XXXX XXXX and that I already paid a transfer fee. With this bank policy, Wells Fargo will continue to charge the regular interest rate until that promotional balance is paid for thereby negating the entire purpose of accepting the promotional rate and paying that transfer fee. This appears to be an unfair practice 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 2022-07-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-20 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: NC

Complaint narrative:
The investigation by Experian was filled with nothing but LIES! The contact information supplied by Experian was false and do not work! since the company does not exist anymore - They have no contact number! 
So just as I originally reported, Experian falsely reported and falsely adjusted my credit score over a late payment that happened years prior. There were no new reports from the company because they are not in business, another company purchased that 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 explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
In XX/XX/14 I deposited a check {$4.00}, them the bank proceed to hold my check for XXXX XXXX, i called several times to the bank, they excuse was the signature was fake to hold the check. The person who issued the check for me provided phone number from his bank manager to my bank that way they could clear the check and release the founds in my account. ( The check was supposed to make payments to my guys ). 
Although they dont want remove the hold, and they keeping saying the check is fake and will hold. How i can get my check back?

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 2022-07-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
During the pandemic someone used my name and applied and got {$14000.00}. I have tried to recover these funds from Bank of America, but they keep on either denying my claims, or they reward the claim and mail out a card to the same fraudulent address with the funds on the card. I notified Bank of America, XX/XX/2020, that I didn't authorize any one to use my name to apply for benefits that the card should be stopped and marked as fraud and they assured me that this was done. I then found out that on XX/XX/2020, another card was sent out to the same fraudulent address with another {$11000.00} on it which was used up by the time Bank of America realized that it was fraudulently being use they withdrew the funds, overdrawing the account. i have been fighting this since XX/XX/2020. I had filed a police report and I have filed Identity theft and I have provided Bank of America with very thing needed to repay me these funds that are due to me. and i still haven't recovered anything I have NEVER RECEIVED A CARD. and I have provided EDD and Bank of America with my current address. EDD when i did apply for my own benefits was sending me checks to my mailing address so they have it. but they informed, me that to recover those funds needs to come from Bank of America because the fraud happened with them.

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 2022-07-20 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: AL

Complaint narrative:
My name is XXXX XXXX and my daughter XXXX XXXX has open accounts in my name. The ONLY account I have is with my daughter XXXX with XXXX XXXX. That is the only account I have just recently open. I have never open an credit card account. My daughter address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. She has her husband posing as me to open accounts and to lied to open new accounts. I'm XXXX years old and will be XXXX in XXXX so why will I open credit card accounts I never had before. Please help e to resolved this. She has recently changed my information on my credit bureau reports and I can't access my own accounts. I worked all my life and paid taxes. I'm XXXX. This should be unlawful that someone can open or change an account with showing proper identification.

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