vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-22 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: SC

Complaint narrative:
XX/XX/XXXX Me and my husband went to the car lot, we asked the dealership to only pull from XXXX places. When we realized we went to them, I advised I would sue them but anyway I had them print out a letter stating they fraudulently ran our credit. I called the bureaus, equifax removed it, XXXX has been giving us the run around. XXXX removed it for us no problem. 
We sent a letter to all XXXX, matter of fact it was the same documents, XXXX admitted they received the paperwork, butthen sends me a stall letter stating that it seems to be coming from a 3rd party, I begin to question what indication do they have when I submitted me and my husband 's dispute letter, the letter from XXXX XXXX XXXX, ftc reports packaged together ... I told them they need to stop trying to correct people 's reports sending that letter just to prolong the process, they said I have to send it again because they got my ID the next day following ... Im like what does it matter you have every piece of document you asked for. It's gon na be the same info again which is costing me monies to resend. I sent the documents certified at that. 
According to 15usc1681a ( 1 ) ( A ) violation of rights It has been over 30 days nothing back yet they have 30 days to respond Also I reported XXXX negative accounts Progressive I disputed, it was marked late 15usc1681a ( i ) 2transactions history is excluded from the consumer report, 15usc1666b timing of payments shouldnt be reporting after the first dispute they removed it from XXXX XXXX XXXX  when it should be removed permanently XXXX is reporting and I have no business with them. I sent them a stop and decease letter and i disputed this as fraud and to remove the account from my credit reports... this has dropped my scores tremendously...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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:
Hello, I have been harassed by XXXX XXXX XXXX regarding my account status. Since XX/XX/XXXX Ive expressed to XXXX XXXX XXXX Ive been unemployed and battling XXXX XXXX, in hope they would help me with repayment option to keep my account open. However, not only have I been charged annual and monthly service fees including constant increases, but I have also been harassed daily to make payment which even though I told them the law that went into effect in XXXX, they disregarded the bill collection harassment act, therefore I was forced to make the payments in fear of my personal information being shared and or reported incorrectly. Im attaching all the documentation in hope to provide more. My account hasnt been closed by my request, which I spoke with XXXX XXXX today XX/XX/XXXX, yesterday XX/XX/XXXX last week and each week after XX/XX/XXXX until recently discovering this illegal activity

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22 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:
Hello, I have been XXXXXXXX by XXXX  XXXX XXXX regarding my account status. Since XX/XX/XXXX Ive expressed to XXXX  XXXX XXXX Ive been XXXX XXXX XXXX XXXXXXXX XXXX, in hope they would help me with repayment option to keep my account open. However, not only have I been charged annual and monthly service fees including constant increases, but I have also been XXXX daily to make payment which even though I told them the law that went into effect in XXXX, they disregarded the bill collection XXXX act, therefore I was forced to make the payments in fear of my personal information being shared and or reported incorrectly. Im attaching all the documentation in hope to provide more. My account hasnt been closed by my request, which I spoke with XXXX  XXXX today XX/XX/XXXX, yesterday XX/XX/XXXX last week and each week after XX/XX/XXXX until recently discovering this illegal activity

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22 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: PA

Complaint narrative:
Hello, I have been XXXX by XXXX XXXX XXXX regarding my account status. Since XX/XX/XXXX Ive expressed to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, in hope they would help me with repayment option to keep my account open. However, not only have I been charged annual and monthly service fees including constant increases, but I have also been XXXX daily to make payment which even though I told them the law that went into effect in XXXX, they disregarded the bill collection XXXX act, therefore I was forced to make the payments in fear of my personal information being shared and or reported incorrectly. Im attaching all the documentation in hope to provide more. My account hasnt been closed by my request, which I spoke with XXXX XXXX  today XX/XX/XXXX, yesterday XX/XX/XXXX last week and each week after XX/XX/XXXX until recently discovering this illegal activity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Money was taken out of my account by a scammer. Money was taken from my account via XXXX to XXXX. I don't even have XXXX.my bank would not refund the charges and said there's nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
I DONT KNOW THIS COMPANY WHY DO THEY EVEN HAVE MY PERSONAL INFORMATION I NEVER HAD A CONTRACT WITH THEM VERBALLY OR WRITEEN NEVER I OWE THEM NOTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NH

Complaint narrative:
Company called 4 times in one day. I did inform the individual that I XXXX there ins a limit to the calls allowed.per day and week. I was told by the woman they can call when they want and stop being a deadbeat I before I get fired and arrested.then received a call again did not answer and a message was left. This was on XX/XX/23. I then received a letter from the company about the debt stating I need to respond before XX/XX/23. I am responding as the debt is about a rental lease that XXXX XXXX had violated and I moved because they failed to repair and provide a safe entry door to my unit as well as a neighbor smoking XXXX even though al leases state no smoking including XXXX and cigarettes. They also refused to stop loud music in violation of the lease agreement. I have a daughter who is XXXX  and it caused great emotional stress to her. These are the violations form XXXX XXXX which forced me to move prior to my lease ending.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
My CITi Bank checking and savings account, was subjected to fraudulent activity, by someone gaining access to my account, transferring all the money out through XXXX, and creating an unauthorized loan account, which was also drained. I contacted Citi Bank fraud department immediately, they opened an investigation. Over a week passed, and now I have been informed that Citi Bank will not be refunding me the money, as they say it was my fault. Additional checking accounts were also creased by the fraudsters. CITi Bank has not fixed my account, refunded the stolen money, and has not removed the unauthorized loan account. CITi Bank does not seem to care or take responsibility for my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Money was transferred from my account to another account that I didnt authorized and when I disputed the transactions they told me my money was able to be recovered cause I had mobile banking and that I should of reported the issue same day cause I noticed the transactions next day and reported it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo illegal refused to close an account and FORCED me to travel hundreds of miles to a branch to show up " in person '' AFTER having everything they were required to have to close the account. Their only " reason '' for making me appear in person was to sign an internal form that was not required by law! 
They refused to reimburse me for my travel. 
They illegally held the money for over a year!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX is reporting I have student loan account with them and I don't never heard of them nor have I done any business with them. 

XXXX XXXX is reporting an account that I don't have with them and no documentation has been provided that I owe any debt nor do they have any signed documentation proving I am the owner of this account. 

XXXX is reporting an account that is not mine and I have contacted them about this in the past but nothing is being done about it. 

XXXX is reporting an account that is not mine and I have sent them Identity then documents clearly stating this account was not mine but they refused to do anything about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo over charging fees. Wells Fargo opened accounts, credit I never authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was a victim of identity theft and did not realize it until just recently. My credit report has inaccurate information and accounts that do not belong to me, I am asking to please remove these accounts from my report immediately. It is against the law to keep these accounts on my credit report, and it is affecting my personal life in many ways. PLEASE REMOVE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) : XXXX XXXX XXXX XXXX : XXXX Hard inquiries not authorized by me : XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 The accounts listed above were not authorized by me and they need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
They charge too many fees for unheard of reasons

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have recently received a copy of my credit report and I noticed several hard inquiries that I DID NOT authorize in which I DID NOT have knowledge of! 

I have attached them below... 

Creditor Name : XXXX XXXX  Inquiry date : XX/XX/2022 -- Creditor Name : XXXX XXXX  Inquiry date : XX/XX/2022 -- Creditor Name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2022 -- - Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2022 -- I HAVE NOT signed any documents authorizing these organizations to view my credit history, therefore these inquiries violate the Fair Credit Reporting Act!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Someone was stealing money out my account XXXX times. All XXXX did was send me a new card. And the person kept stealing, so i said give me a new account and routing number. XXXX said no, and CONTINUED to let the person steal out of 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 non-monetary relief
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2023-01-22 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: SC

Complaint narrative:
XX/XX/XXXX Me and my husband went to the car lot, we asked the dealership to only pull from 3 places. When we realized we went to them, I advised I would sue them but anyway I had them print out a letter stating they fraudulently ran our credit. I called the bureaus, XXXX removed it, transunion has been giving us the run around. XXXX removed it for us no problem. 
We sent a letter to all 3, matter of fact it was the same documents, transunion admitted they received the paperwork, butthen sends me a stall letter stating that it seems to be coming from a 3rd party, I begin to question what indication do they have when I submitted me and my husband 's dispute letter, the letter from XXXX of columbia, ftc reports packaged together ... I told them they need to stop trying to correct people 's reports sending that letter just to prolong the process, they said I have to send it again because they got my ID the next day following ... Im like what does it matter you have every piece of document you asked for. It's gon na be the same info again which is costing me monies to resend. I sent the documents certified at that. 
According to 15usc1681a ( 1 ) ( A ) violation of rights It has been over 30 days nothing back yet they have 30 days to respond Also I reported two negative accounts Progressive I disputed, it was marked late 15usc1681a ( i ) 2transactions history is excluded from the consumer report, 15usc1666b timing of payments shouldnt be reporting after the first dispute they removed it from XXXX to XXXX when it should be removed permanently XXXX is reporting and I have no business with them. I sent them a stop and decease letter and i disputed this as fraud and to remove the account from my credit reports... this has dropped my scores tremendously...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22 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: SC

Complaint narrative:
XX/XX/XXXX Me and my husband went to the car lot, we asked the dealership to only pull from 3 places. When we realized we went to them, I advised I would sue them but anyway I had them print out a letter stating they fraudulently ran our credit. I called the bureaus, XXXX removed it, XXXX has been giving us the run around. Experian removed it for us no problem. 
We sent a letter to all 3, matter of fact it was the same documents, XXXX admitted they received the paperwork, butthen sends me a stall letter stating that it seems to be coming from a 3rd party, I begin to question what indication do they have when I submitted me and my husband 's dispute letter, the letter from XXXX of columbia, ftc reports packaged together ... I told them they need to stop trying to correct people 's reports sending that letter just to prolong the process, they said I have to send it again because they got my ID the next day following ... Im like what does it matter you have every piece of document you asked for. It's gon na be the same info again which is costing me monies to resend. I sent the documents certified at that. 
According to 15usc1681a ( 1 ) ( A ) violation of rights It has been over 30 days nothing back yet they have 30 days to respond Also I reported two negative accounts XXXX  I disputed, it was marked late 15usc1681a ( i ) 2transactions history is excluded from the consumer report, 15usc1666b timing of payments shouldnt be reporting after the first dispute they removed it from XXXX to XXXX when it should be removed permanently XXXX is reporting and I have no business with them. I sent them a stop and decease letter and i disputed this as fraud and to remove the account from my credit reports... this has dropped my scores tremendously...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate this is grounds for removal. 

They also violated my rights under 15 U.S.C 1681 section 602A States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I had a auto loan with Wells Fargo in XXXX to XXXX and they were trying to say i didn't make payments when I did and even showed proof of everything. They then tried repossessing it so I had to turn it in. I had other strange fees occurring on my checking account. I finally closed them out. This was in XXXX Washington. I tried everything I could to keep it but they wouldn't work with me. I can't believe they are still in business.

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