vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2024 at approximately XXXX XXXX, I made several cash deposits with Citibank 's ATMs at their XXXX XXXX XXXX branch. Instead of depositing the correct amount of {$3900.00}, the first machine took the whole sack of bills and only deposited {$1900.00}. The machine gave back some bills then showed errors and said it wasn't available. I proceeded to another machine and deposited the rest of my bills ( the ones that got dispensed from my original sack ) and the machine deposited {$600.00}, {$500.00}, and {$400.00} respectively. The amount just didn't add up as I'm now {$500.00} short of my original sack of deposit.

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 2024-03-04 00:00:00
Product: Credit reporting 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:
I filed a complaint with the CFPB on XX/XX/23 regarding XXXX XXXX. It is fraud and the account needs to be removed and permanently deleted from my credit. XXXX 's response was that An account record was deleted. It was not. They also contradict stating the company has certified the account is accurate. HOW DID THEY CERTIFY THIS FRAUDULENT ACCOUNT??? They FALSELY claimed they sent me detailed information and they DID NOT. They all lied to the CFPB. So I have to file a new complaint. Its clear to me that there is a major problem with my personal information being compromised and used. There is a Wyoming address on my credit and I have never stepped foot in Wyoming. I am a victim of identity theft and fraud.

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 2024-03-04 00:00:00
Product: Credit reporting 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:
I filed a complaint with the CFPB on XX/XX/23 regarding XXXX XXXX. It is fraud and the account needs to be removed and permanently deleted from my credit. XXXX 's response was that An account record was deleted. It was not. They also contradict stating the company has certified the account is accurate. HOW DID THEY CERTIFY THIS FRAUDULENT ACCOUNT??? They FALSELY claimed they sent me detailed information and they DID NOT. They all lied to the CFPB. So I have to file a new complaint. Its clear to me that there is a major problem with my personal information being compromised and used. There is a Wyoming address on my credit and I have never stepped foot in Wyoming. I am a victim of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXXXXXX XXXX-XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
2. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
7. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
8. The inquiry was not authorized XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
9. The status is incorrect for the following account XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
10. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX5 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts in the letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: NJ

Complaint narrative:
Linebarger Noggin Blair & Sampson , LLP., through their attorneys & representatives, has committed aggravated identity theft. There is no Privity of contract. Linebarger Noggin Blair & Sampson , LLP through their attorneys & representatives are attempting to extort me for money ( payment ) which is a crime under title 18 of the United States Code. They do not have Proof of the existence of this alleged debt and outstanding balance, proof of a contract verifying their client or Linebarger Noggin Blair & Sampson, LLP can legally collect on this alleged debt, and proof that their client is the current holder of the instrument which created the alleged debt with my original blue ink signature. It also appears that they are practicing law without a license and are foreign agents. I request to see their foreign agents registration with the Attorney General. And if you are being retained by the original creditor, I request to see the retainer agreement. I will report this to the Federal Trade Commission and other appropriate authorities. I refuse to pay this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Capital one closed both my walmart card account and my menards account, they stated it was due to " fraud '' they stated that they returned my payment because it was an invalid account number. Capital one closed my accounts on XX/XX/XXXX without notifying of anything possibly being fraudulent or that there was any problems with either of my accounts. I made an additional 5 payments between the 2 accounts with the same bank account number they previously stated was invalid and therefore closed both accounts. The lady i spoke with told me that if i made significant payments to both of my accounts that the likelyhood they would reopen them was good. I paid an additional {$510.00} between them last payment being on XX/XX/XXXX all with the same bank account i have used since opening an account with capital one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TN

Complaint narrative:
On XX/XX/XXXX I emailed them stating that they were stolen they were addressed to my apartment complex the XXXX of XXXX there was still no response the XXXX they response told me sorry here 's the copies of your cash money orders and they had a personal name on them therefore they were fraudulently defaced and haven't received a response since nor received my money back total of {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have a history of punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my consistent track record of meeting deadlines.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
XXXX here, Hello there I have a issue with Exeter Finance Llc have been denying me documents and could be committing an act a of TAX FRAUD this company is reporting on my consumer report that a item has been charged off but how are you still trying to collect on a debt that u have charge off ON MY CONSUMER REPORT IRS declares charge off debt by filing 1099c IS forgiven which they filed on their business tax return on this alleged debt account # XXXX SO IF THATS the case wheres the 1099 uve sent me. Ive uploaded correspondence

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dispute of Unauthorized Account on Credit Report I am writing to dispute the following information in my credit file. The account listed below does not belong to me, and I have no knowledge of this account : Creditor : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX  Amount {$110.00} I am requesting that the item be fully investigated and, that it be removed from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
XXXX the company began unlawfully furnishing my personal information, soon there after I asked for the company to show proof of permissible purpose, 15 U.S.C. 1681, showing my consent in writing to no success. Soon after asked them to cease communication to consumer reporting agencies in writing multiple occasions as recent as XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I OPENED A CREDIT CARD ACCOUNT WITH WELLS FARGO CREDIT CARD SERVICES. 
MY CREDIT WAS PULLED ON XX/XX/XXXX FOR THE APPLICATION. I WAS APPROVED ON XX/XX/XXXX AFTER A LOT OF PROBLEMS THAT WELLS FARGO CAME UP WITH WHICH WERE ALL INACCURATE I USED THE CARD ONCE AND DISCOVERED IT HAD BEEN CLOSED. 
I CALLED CUSTOMER SERVICE AND VISITED THE BANK SEVERAL TIMES. AFTER A LOT OF CALLS, I WAS INFORMED THAT THEY DETERMINED THERE WAS FRAUD ON THE ACCOUNT AND CLOSED IT. 
I SAID THAT I WAS NOT INFORMED ABOUT THE CLOSURE. I COULD NOT GET ANYONE TO SPEAK WITH ME OR PROVIDE ANY ADDITIONAL INFORMATION TO ME. I DID NOT RECEIVE ANY COMMUNICATION FROM WELLS FARGO PRIOR TO THE ACCOUNT BEING CLOSED. 
I WAS LATER INFORMED THAT I COULD RE-APPLY FOR ANOTHER CARD. 
THEY DID NOT CALL, EMAIL OR CONTACT ME PRIOR TO CLOSING THE ACCOUNT. 
I ASKED IF THEY WOULD PULL MY CREDIT AGAIN AND THEY SAID YES. THIS IS VERY CONCERNING TO ME. EVEN IF I DO NOT RE APPLY FOR THAT CARD, BUT APPLY FOR ANOTHER NON-WELLS FARGO CARD, THERE WOULD NEED TO BE A HARD INQUIRY ON MY CREDIT, WHICH IS BAD FOR MY CREDIT. 
WELLS FARGO ACTED EGGREGIOUSLY BY CLOSING THE ACCOUNT WITHOUT ANY COMMUNICATION TO ME, AND BY SO DOING, IS SUBJECTING ME TO TWO HARD INQUIRIES WITHIN 60 DAYS. 
FOR THAT REASON, WELLS NEEDS TO CORRECT THE SITUATION BY EITHER RE-OPENING THE ACCOUNT OR INITIATING A NEW ACCOUNT WITOUT A HARD INQUIRY ON MY CREDIT. 
THE EFFECT OF THEIR EGGREGIOUS ACTION WOULD BE 2 HARD INQUIRIES ON MY CREDIT WITHIN TWO MONTHS. IN EFFECT, THE INITIAL INQUIRY WOULD BE FOR NOTHING. THESE TWO HARD INQUIRIES WITHIN TWO MONTHS, WHICH WOULD BE DETRIMENTAL TO MY CREDIT AND THEREFORE, MUST BE AVOINDED.

I AM SEEKING THAT THEY BE MADE TO WAIVE ANOTHER HARD INQUIRY WHILE THEY REOPEN THE CLOSED ACCOUNT. THEY NEED TO REPAIR THEIR MISTAKE AND NOT MAKE ME TAKE THE FALL FOR THEIR INADEQUATE POLICIES AND HARMFUL BEHAVIOR TO CUSTOMERS. 
THEY NEED TO BE STOPPED

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 2024-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
This would be my second complaint as the first was no where near complete. I had a total of {$95000.00} withdrawn from my checking account and Wells Fargo returned {$35000.00} of it. They have gone on to say that the remaining amount was my fault and they " assume '' it was me. I have stated over and over that it makes no sense to refund any of the amount if you " assume '' I am the one who has done this. If Wells Fargo was so positive of this fraud being me, they would not have returned any of the money that belongs to me. There is more to the story and I have yet to hear any of it. I have still yet to hear where the money has gone or if there's even a little bit of chance I'll get the money back. Like stated, it makes no sense to refund some of the money but then accuse me of the other bit of it. No one would do such a thing.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I dont recognize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I saw a collections account posted to my credit report. I called the 3rd party debt collector for information. They shared a police report was required. I have not had much success at all with the property management group assisting in resolving the issues. 

The amount and account is as follows : XXXX-Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Original Balance : {$9600.00} Current Principal : {$9600.00} Interest Due : {$100.00} Total Due : {$9700.00} ORIGINAL CREDITOR : XXXX XXXX - XXXX XXXX  PLACED FOR COLLECTIONS ON : XX/XX/23 The person on the ID is absolutely not me, nor have I or will I ever live at the listed address. I have been in my current residence for 3 + years and prior to that, I lived in a condo I owned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I used paypal to send money for a purchase and was tricked into using XXXX XXXX XXXX the seller then blocked me and didnt send the things i ordered. I opened a claim with paypal and they refused to send me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX XXXX # XXXXXXXX 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 XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX XXXX # XXXXXXXX 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 XXXXXXXX XXXX XXXX # XXXX, DEPT OF EDUCATIONXXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to contest the appearance of this bankruptcy on my credit report. The filing dates, reporting dates, and closure dates do not correspond. This is deeply concerning as I possess a court letter explicitly stating that this bankruptcy should not be listed. Moreover, the involvement of an unauthorized third party adds to the absurdity of this situation.

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