vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Wells Fargo submitted a a check that was fraudulent. The manager at the time agreed that they should have caught the mistake. They said that it was there fault and that my account would be refunded the XXXX dollars. Then the bank manager calls me and tells me Im wrong and that I am liable for the charges. They said they submitted a internal complaint. Its been months and they have never returned the money. The bank manager said the teller should have never cashed the check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: CA

Complaint narrative:
SMALL BUSINESS ADMINISTRATION GAVE UNKNOWN PERSON PERSONAL INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION AND COMMITTED FRAUD BY THE UNKNOWN PERSON GETTING A GOVERNMENT SBA LOAN IN MY NAME. WEIRD THING IS, THERE IS NO SBA LOAN LISTED, JUST THE CREDIT INQUIRY TO OBTAIN MONEY VIA APPLICATION. THIS WAS DISCOVERED IN CREDIT REPORTING COMPANY - EXPERIAN AND HAPPENED XX/XX/2020 FROM A " HARD INQUIRY '' FROM THE CREDIT COMPANY ITSELF. i HAVE AND WILL CONTINUE TO REPORT THIS FRAUD TO ALL ENTITIES THAT REGULATE AND PROSECUTE

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 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
Spoke with representative about being a victim of false credit reporting and customer service refused to take care of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: MD

Complaint narrative:
EXEPRIAN MADE A MISTAKE ON THIS DATE AND FAILED TO FIX THE INFORMATION. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX LIST GOES ON I ASK EXPERIAN TO SEND ME FACTUAL INFORMATION OR CRETIFIED INFORMATION ABOUT THIS ACCOUNT. 
EXPERIAN NATIONAL CONSUMER ASSISTANCE XXXX XXXX    XXXX XXXX TX XXXX The account number XXXX XXXX XXXXXXXX I NEED THIS ACCOUNT DELETED FROM MY CREDIT REPORT TODAY NOW! THE ONE FACT I DO KNOW IS ALL CREDITS REPORTS TO ALL THREE CREDIT BUREAUS. THIS ACCOUNT DOESNT SHOW UP ON XXXX OR XXXX  AT ALL IT WAS DELETED AND  REMOVE BACK ON XX/XX/XXXX ON XXXX  WASNT ABLE TO VERIFY KNOW OF THE INFORMATION THAT WAS PROVIDE BY THE CREDIT CARD COMPANY IT WAS INCORRECT. XXXX  REMOVE IT FROM MY ACCOUNT ON XX/XX/XXXX THE ACCOUNT WASNT MINES AND THE FILE WAS INCORRECT ON ALL LEVELS. 
I ASK EXPERIAN ON XX/XX/XXXX SEND ME SOME FACTUAL INFORMATION LIKE A TRUE AMOUNT THAT I OWE OR AMOUNT THAT THE REAL COMPANY HAVE ACECSS TO. THE LADY NAME MS. XXXX TOLD ON XX/XX/XXXX AROUND XXXX THAT WAS NOT A LIBERTY TO DISCUSS MY EXPERIAN CREDIT FILE WITH ME SINCE MY NAME WAS SPELLED WRONG AND I SEND THEM A CREDIT PROFILE UPDATE 5 TIMES XX/XX/XXXX AND XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX THEY LOST ALL MY INFORMATION DELIBERATELY.

WHEN A COMPANY KNOWS A CUSOMERS IS CORRECT AND HAVE ALL THEIR FACTS IN ORDER, EXPERIAN ALWAYS WILL COPY AND PASTE THE SAME REPSONES OVER AND OVER AGAIN ( THAT IS THERE STALL TACTIS THAT EXPERIAN USE FOR THE LAST 15 YEARS AND MORE TO COME THIS IS THE ONLY INFORMATION SHOULD SHOW ON MY CREDIT REPORT IF THEY FORGOT
I WILL SEND ANOTHER DRIVER LICENSE / SOCIAL SECURITY CARD COLOR PRINT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Is contacting me repeatedly about a debt that is not mine. They repeatedly contact me regarding my sister. I have stated multiple times I do not have contact with her. They threaten me with legal action and they tell me if I don't tell them where she is or give them a number to contact her at they will take me to court for the money that she owes. I get phone calls daily from multiple numbers.

They have now started saying that I owe money. I have nothing on my credit report that states I have anything in collections. I have one student loan and one credit card with a balance. No other accounts. I have told them I do not have nor have I ever had a credit card with the credit card company they state, ( I know for a fact my sister has ) and they won't stop harassing me daily calls from multiple numbers. I block one number and a new one calls. I have considered changing my phone number but I've had this number since XX/XX/XXXXand I shouldn't have to change my number because of a predatory collection agency refusing to listen to my words

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Users kept sending me over to other people to send money to and I lost about XXXX $ dollars cause of this on that night and it really disappointed. I was told so many fees and just them being dishonest and unfaithful. I worked really hard for this money and Im XXXX years old and live in XXXX XXXX Michigan. Im doing my best to stay calm by that is a lot of money and its not in my possession anymore and not much my bank can do for me. I really appreciate if I could get some assistance and I could file more proof of what it was on my part and not satisfied. If there is any way to resolve this issue and getting a refund request or doing something to help prevent it from happening while getting back some funds for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: FL

Complaint narrative:
my complaint has not been addressed by Experian, i am a victim of identity 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 2020-10-23 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: CA

Complaint narrative:
Account reported are inaccurate. Multiple disputes and furnisher will not update record. Debt cancelled effective XX/XX/19. Balance and history incorrect. CRA can not establish accuracy and integrity despite reinvestigation. Description of the procedure used to determine the accuracy and completeness of the information was not provided upon consumer request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Account reported are inaccurate. Multiple disputes and furnisher will not update record. Debt cancelled effective XX/XX/19. Balance and history incorrect. CRA can not establish accuracy and integrity despite reinvestigation. Description of the procedure used to determine the accuracy and completeness of the information was not provided upon consumer request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Account reported are inaccurate. Multiple disputes and furnisher will not update record. Debt cancelled effective XX/XX/19. Balance and history incorrect. CRA can not establish accuracy and integrity despite reinvestigation. Description of the procedure used to determine the accuracy and completeness of the information was not provided upon consumer request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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:
As notified previously, I am a victim of identity 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 2020-10-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have indicated to Bank of America that I had fraud on my card through the internet services! Even though I explained that these internet companies have been taken fund unauthorized, they rules against me! The internet services compromise my account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Account reported is inaccurate. Multiple disputes and furnisher will not update record. Balance and history incorrect. Account closed, balance {$0.00}, paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: FL

Complaint narrative:
I have worked incredibly hard on building my credit over the last year and a half. I have seen several increases and improvements on my other two credit reporting agencies but not with Experian. I have called and asked them why my score doesnt seem to change at all and hasnt improved to which they responded I needed to upgrade my account. I want/need and deserve an answer to my question. My scores are as follows : XXXX, XXXX and XXXX. That score quite obviously does not line up with my other two and hasnt even remotely moved since XXXX. I applied to rent a condominium in XXXX of this year and was told I had to have a minimum of a 620 credit score. Experian was the score they pulled ( I was approved for rental of the property ) and when I questioned my real estate agent how that happened, she gave me a completely different score in the mid six hundreds and told me it was more than sufficient. I just need help with figuring out why my score doesnt reflect as Ive been told and why I seem to get absolutely nowhere with Experian as a company. I have XXXX XXXX and have within the last few months purchased Fico8 to keep track ( in order to buy a house within the next few years ) of my scores accurately.. all the while Experian tells me I need to upgrade with them. I shouldnt have to upgrade anything or pay for multiple credit reporting applications in order for them to be even semi accurate. HELP!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: SC

Complaint narrative:
I have a credit card XXXX XXXX  and multiple hard inquirys on my credit report that doesnt belong to me I need them remove

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Account reported is inaccurate. Multiple disputes and furnisher will not update record. Balance and history incorrect. Account closed, balance {$0.00}, paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: CA

Complaint narrative:
Account reported is inaccurate. Multiple disputes and furnisher will not update record. Balance and history incorrect. Account closed, balance {$0.00}, paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account reported is inaccurate. Multiple disputes and furnisher will not update record. Balance and history incorrect. Account closed, balance {$0.00}, paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Account reported is inaccurate. Multiple disputes and furnisher will not update record. Balance and history incorrect. Account closed, balance {$0.00}, paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: AR

Complaint narrative:
I have been harrassed by Convergent by phone calls from multiple numbers after telling them I have not been employed for almost 4 months and haven't been approved for unemployment benefits since the XXXX of XXXX and that I would contact them when I would be able to set up any type of payment arrangements. They will not leave a voicemail stating the company 's name and to in which why they were calling. I have blocked many numbers due to the many multiple calls from varying numbers. I am not satisfied with the manner in which they conduct their business. This is blatent 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 2020-10-23 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: GATEWAY FIRST BANK
State: TN

Complaint narrative:
I file a report with XXXX  and XXXX  on two accounts they are reporting on XXXX and Gateway Mortgage both accounts are Fraud. I send documents to both XXXX  and XXXX. They are both violating my right under tile 15 The 609 letter was sent to both companies on XX/XX/18 XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: NY

Complaint narrative:
On XX/XX/2020, I sent a letter to TransUnion via USPS Certified Mail that disputed two accounts on my credit report. According to the USPS tracking number, XXXX, the letter was delivered on XX/XX/2020. After 30 days, which was XX/XX/2020, I had still not received a response from TransUnion regarding my dispute. Therefore, I sent another letter via USPS Certified Mail on XX/XX/2020 that requested for the two disputed accounts to be removed from my credit because they did not respond within 30 days. According to the USPS tracking number, XXXX, the letter was delivered on XX/XX/2020. It has now been 59 days since TransUnion received that letter, and they have still not removed those accounts from 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 explanation