vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am submitting this complaint to being notice to of the unlawfully reported unauthorized accounts on my consumer report this has violated my federally protected consumer rights to privacy and confidentiality under the FCRA law USC 1681. I have not given my written permission to put anything on my credit profile. I have been violated by you as state 15 USC 1681b You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated Identity THEFT! to title 18 USC 1028A. You have knowingly possessed, transferred, and or used without lawful consent and authority means of identification of me. Which is a Felony Punishment of 2 YEARS imprisonment! including civil liability, You're in violation of 15 USC 1692g and can be fined {$1000.00} per violation Delete these account per 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 2023-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a checking and saving account XXXX with Citibank. 
Citibank sent me an email on XX/XX/XXXX and mentioned my account will be closed in 60 days while my account still had {$3900.00} balance. My account was freeze and transactions were declined transactions since then. 
I didn't consent the account closing and I wasn't given a good reason for closing the account. 
I also never receive the balance refunded. 
I've contacted Citibank over the phone many times for a refund on XXXX XXXX on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX but they either asked me to wait for a check refund, asked me to visit a branch, or hung up my phone call. 
I also visited Citibank branch in XXXX XXXXXXXX XXXX on XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX. XXXX XXXX but they asked me to wait for a check and didn't provide a refund. 
After 3 months, I still didn't get my money back, never receive a check and all Citibank staff I met or called didn't help me resolve this issue. They also refuse to escalate this issue. The worst bank customer service I've seen.

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 2023-03-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or delete these items immediately : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: FL

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or delete these items immediately : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Someone used my information to obtain a XXXX account, open a line of credit for XXXX XXXX XXXX, and preferred lease. 

i have requested this be removed on several occasions.

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 2023-03-22 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: GA

Complaint narrative:
Someone used my information to obtain a XXXX account, open a line of credit for XXXX XXXX XXXX, and preferred lease. 

i have requested this be removed on several occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I own an office building and had it rented. I deposited 3 rent checks of {$5100.00} on XX/XX/XXXX. On XX/XX/XXXX, all 3 checks bounced my account due to NSF. 

Thursday of last week, XX/XX/XXXX, I noticed that PNC was freezing my available balance and taking out {$5100.00}. I've not deposited any rent checks since XX/XX/XXXX when all 3 were NSF. 

Please see 14 pages showing my bank history since XX/XX/XXXX to current showing above statements to be true. 

I've spoken to the local branch manager, XXXX, and called their service #, yet, I'm told that they can do this. I believe if they are doing this, their bank must need strong audits because they sure have taken it from my account in XXXX XXXX, XXXX and now in XX/XX/XXXX taking it again. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo reports a closed account to all 3 consumer credit agencies as a charge off on my credit report even though they collected full balance payment from me on XX/XX/XXXX. 

I've requested they change the charge off status and report it accurately as paid but they insist on keeping the reported status of charge off because it's how it was initially reported. They said the fact they collected full payment after their initial reporting doesn't matter because it came after the original reporting. 

I believe this is inaccurate reporting of key facts and they maintain that status to persecute me for past missteps. It has been 3 years since final payment was made and in that time I've been denied credit from numerous creditors as a result of this reporting status. They're intentionally causing me financial harm.

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 2023-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/2022 XXXX XXXXXXXX XXXX/2022

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 2023-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO

Complaint narrative:
I was requested to send a letter of explanation with regards to clarification of a bank statement I previously submitted. I emailed the explanation to them. 

I also left two voice messages with the escalation department with no return call asking for a status on the loan modification and suppression of credit reporting. I followed up with emails in addition to speaking with loss mitigation. 

The most recent request in lieu of a loan modification, I inquired about the Cares Act Forbearance as I had not taken a deferment with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: Coinbase, Inc.
State: CA

Complaint narrative:
Someone else has my debit and credit cards on their phone that are not me! They are illegal immigrants or are on the run from XXXX California. They try to use my kids and my money for crypto currency. They act like me and them re fmily but really I do not like them or their company! People that goes to my kids home will get burglary charges and other charges too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
Since XX/XX/2022 I have submitted a dispute with my credit card for services paid with, services from merchant were bad, I can not get agreement with merchant So I did my dispute with my credit card however dispute department failed to contact that merchant Not even try to dispute my charge, breached our contract/ agreement Credit card failed to answer calls, emails, poor costumer services, and failed to make any investigation or contact merchant, moreover is seeking collecting money over disputed not yet investigated Credit card is sending me letters to send my dispute case to credit reports agencies when my credit card is on good standing never paid late, overriding my rights as consumer and lying about my credit reports when my account is not even yet on collections and I always paid it on time Breach of credit card agreement

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 2023-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-22 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: UT

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: VA

Complaint narrative:
My phone was stolen in the end of XXXX beginning of XXXX. The phone did not have a lock on it. I was left with no phone, no access to any of my personal information like bank accounts, emails, I didnt even have a form of communication. From XXXX there was numerous unauthorized charges, totaling up to XXXX. On Sunday XX/XX/XXXX, I was given a phone which allowed me to get access into my bank account to see the accumulated charges. Charges included, XX/XX/XXXX transactions, charges at the XXXX XXXX, rides from taxis, restaurants, etc. I contacted chime and made them aware of the situation that happened and they said they would look into the problem and fix it. I had two separate disputes open, one of which is still open and the other is closed. The one that was closed totaled out to around {$700.00}. Chime basically told me that there was nothing they could do except supply me with the documents they used to come to the conclusion that my money wasnt stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: OneMain Finance Corporation
State: IA

Complaint narrative:
I have tried to call the company twice I was put on hold for hour no one ever pick up. I had my loan modified in XXXX. This is installment loan. I am not sure why they closed on credit report. Also credit report has not been updated since XXXX XXXX. The balance the amount pay is in correct. On the billing I will owe forbearance balance XXXX not sure what that is

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to the law 15 U.S. code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and consumer notices the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct reasonable investigations to determine whether information is inaccurate and record the current status of the disputed information or delete the item from file in accordance with paragraph ( 5 ) be the end of the 30 day period beginning on the which the agency receives the notice of the disputed from the consumer or reseller

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 2023-03-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
According to the law 15 U.S. code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and consumer notices the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct reasonable investigations to determine whether information is inaccurate and record the current status of the disputed information or delete the item from file in accordance with paragraph ( 5 ) be the end of the 30 day period beginning on the which the agency receives the notice of the disputed from the consumer or reseller

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
On XXXX I received an email that a new collection was added to my credit report the email was from XXXX XXXX 
Kimball-Tirey & St.John LLP A third party collector foXXXX XXXX XXXX XXXX XXXXXXXX have multiple times added a debt of over {$4000.00} to my credit report. It was removed once then placed on again. I have disputed it multiple times. It is also on my partners report as the same amount of more. 
The letters and reports are separate not placed on as a joint account. 
The judgement was {$630.00} I agreed to pay the {$630.00} and the {$360.00} Attorney fees before the 3 day notice to the original creditor I was informed that I could get a money order for the XXXX which was the above and late fees plus the new rent and then we would be ok. When i took the money to the landlord she refused the money order and said her boss told her to refuse it. I had to cash the money order and pay what was due {$630.00}. 
By mail. The holdover damages and costs were not something I agreed on or anything included in my contract. The lease was forfeited. Since XX/XX/XXXX I have received multiple bills for different amounts and harassing phone calls not only myself but XXXX XXXX who was not in the lease but for an additional XXXX. 
This has effected my credit terribly. I did not do business with this company and they are not familiar with my account and the charges they keep adding and interest are disputable and make no sense also I am unsure of their intent by adding this to my credit as a new collection at least 1time per month. The creditor refused the payment and the due amount that is an actual charge I owed was paid but the amount I payed is included in their bill repeatedly. We have actually been living in a motel since this happened. The market went sky high and XXXX came so it has been a nightmare for my family and it continues to ruin both of our credit. Is there anything that can be done for me? Please let me know. I can't get anything with this in my credit report it is effecting my entire family. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: TX

Complaint narrative:
Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/2022 XXXX XXXX XXXX/XXXX/2022

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