vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: FL

Complaint narrative:
i was checking my credit report and I was shocked, because of my credit score id too low. I believe that someone have my personal information. I have never applied for these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
On XX/XX/2021, I purchased 2 car fenders from a seller on XXXX, named " Old School Cars and Parts ''. The seller said he only accepted XXXX as a payment option. I hesitated, but was saw that my bank, Wells Fargo, offered XXXX as a payment option, so I assumed it was safe using the bank as the payment option. I sent the amount required, {$470.00} to the company via information on XXXX XXXX, the only way I communicated with him. The next day, the seller requested more money, an alleged {$150.00} " refundable insurance '' payment for the shipper, with an email to also send a XXXX payment to. I asked him to send me proof of the items even existing, and the shipper 's name, so I could check myself, or refund me the money. No message after that, and now he blocked my messaging to him. of course, the fenders were never shipped, if they even existed. I filed a claim with Wells Fargo, and after 10 days, I called back. They told me the claim was denied, due to me now knowing the other person. They did not care that theft was involved, and that upsets me that Wells Fargo even promotes a service like XXXX. I set up a fake XXXX account, and sent messages to the seller, who is still doing business. He said he never had a problem with anyone using XXXX, and I referred him to my real name 's transaction, and that a refund should be sent or charges would be filed against whoever he was. No comment after that, of course. I think Wells Fargo should help me out a little more with an investigation, or do a courtesy refund to me for {$470.00}, since they still offer XXXX. I have filed a report with the Internet Claims office. I have screen shots of all communication with the seller, even a phone number, as he called me once about the payment and texted me, too. XXXX is no help, as still have " Old School Cars and Parts '' online, and there is no real way to notify of them of this seller, as he does not use their XXXX marketplace to sell from.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
Consumer Protection Financial Bureau From : XXXX XXXX Hello, my name is XXXX XXXX a New Jersey Resident. About a month ago, I met a girl on what app and we developed a friendship. After time she told me she invests and encouraged me to invest in cryptocurrency. First, I had to get both the coinbase app and the coinbase wallet app. I then was influenced to wire XXXX dollars and trade with her guidance .Unexpectedly we made a profit and I was now caught up. Next I invested via coinbase wallet trading XXXX XXXX more ( XXXX ). Profit again, so thus with no caution invested another XXXX thinking it was safe. ( XX/XX/21 ) Again, I traded with her and I made more profit. 
The bank associated with coinbase is : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX CA XXXXThe scammer contacts me every day and evening and we go over trades and have small talk. I had mentioned early on that I needed at least my principle by the first week and XXXX and she agreed to it. Well, last night we tried to withdraw funds but I was informed I have to pay an exchange tax of XXXX in order for coinbase wallet to let me withdraw funds. I was told to wire the XXXX to coinbase first, and once the tax is paid I can retrieve the funds of XXXX dollars. 
At this point, I dont have the XXXX to retrieve the funds, and if I could get a loan, not sure if I want to send another dime, since everyone I talk to thins this is a scam. And I keep her thinking I have more money so I can maintain contact if anyone really can trace/locate the source.This has been going on since XX/XX/XXXX and my last contact was today.Rigth now, XXXX  ( fake or mirror site ) is holding my funds threatening to freeze them for one to three years/ https : www.coinegg.vip ( this is the website ) XXXX XXXX is her numbers ( if real ) NOW CHANGED TO XXXX and XXXX XXXX XXXX XXXX Please assist. This is an illegal scam, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX I HAVE CONTACTED FBI, SEC, LOCAL POLICE, AARP AND OTHERS. 
I am still in daily contact with the scammer daily and she tries to get me to pay the takes or else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: CA

Complaint narrative:
I have been taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me XXXX XXXX, this is called defamation of character. I can't get a job. I can't apply for credit. I can't even get a sba loan or anything like that due to the pandemic under this crisis you have hurt my ability to obtain credit. I want all negative items removed or deleted from my credit report because you are in direct violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Thursday the XXXX of XXXX, XXXX, I filed a claim # XXXX with the Bank of America Fraud Department in the amount of {$1300.00} that was taken from me through the Bank of America ATM machine. The theft was on various days starting on the XXXX of XXXX, XXXX through the XXXX of XXXX, XXXX. So as I should, I reported it this to the Fraud Department as soon as possible. However, the service and the manner of action that was taken was not only unhelpful, but vague as well. So not knowing what to do, I called again on Friday the XXXX of XXXX, XXXX to request a hardship loan from the amount of what was taken from me ; but unfortunately, they informed me that I had to wait 10 days for the claim to be in pending status before anything can be done. And even though their policy is zero fraud liability, I waited the 10 days before my next call on Monday the XXXX of XXXX, only to be informed that my claim was denied with no explanation as to why. So with much effort, I was able to reopen the claim ; although, I am to wait another 10 days before any further action can be taken. So I am back at the beginning with them ; meanwhile my bills are adding up and I am left with nothing from what was taken from me because of the lack of service and security of Bank of America Fraud Department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. 
I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. 
I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: CA

Complaint narrative:
To whom it may concern : My name is XXXX XXXX ATTENTION CFPB : The Consumer Financial Protection Bureau is a 21st century agency that implements and enforces Federal consumer financial law and ensures that markets for consumer financial products are fair, transparent, and competitive. 


Incomplete and Inaccurate information being reported by TRANSUNION & XXXX : Sometimes when your car is repossessed the original creditor sells the car for less than the amount remaining on your loan which is called the deficiency. The CRA 's are reporting this information as " accurate ''. This is NOT in fact " accurate '' information if XXXX failed to do the following : XXXX failed to comply with UCC : Under the laws of the XXXX XXXX California UCC 9.506 and XXXX RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

XXXX DID NOT provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

The company also did not comply within 14 day from receipt of notice of the alleged claim which is now considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA and shall be removed. 

I also reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17 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: CA

Complaint narrative:
To whom it may concern : My name is XXXX XXXX ATTENTION CFPB : The Consumer Financial Protection Bureau is a 21st century agency that implements and enforces Federal consumer financial law and ensures that markets for consumer financial products are fair, transparent, and competitive. 


Incomplete and Inaccurate information being reported by XXXX XXXX EXPERIAN : Sometimes when your car is repossessed the original creditor sells the car for less than the amount remaining on your loan which is called the deficiency. The CRA 's are reporting this information as " accurate ''. This is NOT in fact " accurate '' information if XXXX failed to do the following : XXXX failed to comply with UCC : Under the laws of the State of California UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

XXXX DID NOT provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

The company also did not comply within 14 day from receipt of notice of the alleged claim which is now considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA and shall be removed. 

I also reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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:
account XXXX XX/XX/21 180.00 XXXX140.00 XX/XX/21 100.00 XX/XX/21 XXXX XX/XX/21 XXXX my atm card and in my bag with all my documents an dpasswordes and piin numbetrs was stolen and used to gain access to my checking account and use atm without my knowledge i did not authouriaze these transactions and citit bank is flat out refusing to honor the aggrement of my checking account that all unauthorized transactions will be refunded ( and a provisional money given while under investigation ) i was not given provisional money nor refunded these unauthorized transactions! i filed a police report myself as well. regaarding this issue. I want to be reimburesesd as per the agreement when i opened the checking acct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Omni Financial Corp.
State: TX

Complaint narrative:
Toyota has been reporting this charge off/Repossession on my Credit report since XX/XX/XXXX. 

I have sent Toyota several letters for verification of Debt. Last one sent on XX/XX/XXXX. The response I received stated there is no account found with the information given or my account has been found Frivolous. 

Toyota has Re-Aged this account Toyota states this Account was opened on XX/XX/XXXX Toyota states this Account was Charged off on XX/XX/XXXX, Payment history reported by Toyota to XXXX XXXX as of XX/XX/XXXX XXXX reported Charge Off as of XX/XX/XXXX to XXXX XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX to XX/XX/XXXX, XX/XX/XXXX Last payment date : XX/XX/XXXX Payment history reported by Toyota to XXXX Toyota states this Account was opened on XX/XX/XXXX Last activity : XX/XX/XXXX Dated Reported XX/XX/XXXX Last Payment XX/XX/XXXX High Balance {$23000.00} Payment history reported by Toyota to XXXX Toyota states this Account was opened on XX/XX/XXXX Last activity : None Dated Reported XX/XX/XXXX Last Payment XX/XX/XXXX High Balance {$7000.00} Toyota has continued to re-Age this account and report Major Inaccuracies. 
I am requesting that this account be deleted from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Since XXXX of XXXX, I have been disputing 2 Chase accounts that appear on my credit report. I have disputed these items with the creditor directly, as well as with the 3 major credit bureaus : XXXX, XXXX, and XXXX. I have requested that they investigate the accuracy of the information, because it is not reporting correctly. There is currently no balance due on these accounts, because they were settled. However, I continue to see several inaccuracies on my credit report and the information that is reporting. Each credit bureau is reporting conflicting information. 

To date, all that I continue to receive are copies of statements, and requests for me to supply Chase with more information in order for them to investigate the account. I am unclear as to why I need to help Chase investigate an account, when they are the ones furnishing the inaccurate information to the credit bureaus. 

In addition, I have a response from Chase dated XX/XX/XXXX where they confirmed that they are required to provide accurate information to the consumer reporting agencies and can make changes to their reporting only if its incorrect. However, ALL of this is currently incorrect : -High balance is reporting inconsistently across the 3 bureaus -Last verified date is inconsistent -Date of last activity is inconsistent -Date reported is inconsistent -Date opened is inconsistent -Closed date is inconsistent -Account rating is inconsistent -Last payment is inconsistent -Credit limit not reporting on XXXX -Dispute remark missing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. 
I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17 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: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
XXXX XX/XX/2021 - Paid a merchant {$1200.00} for services. XXXX XX/XX/2021 - Services were not provided by merchant as agreed. Attempted to resolve the issue with the merchant, however after more than 30 days the merchant refused to provide a full refund. I filed a transaction dispute for the transaction with Goldman Sachs and received a provisional credit while the dispute was under review. XXXX XX/XX/2021- Without explanation, Goldman Sachs reversed the provisional credit and closed the dispute against my favor. XXXX XX/XX/2021- I received an official email with the following message : " Due to a system error, you may have received an email or notification stating a dispute you filed was not resolved in your favor. The dispute has indeed been resolved in your favor. We will reapply the credit you had previously received within XXXX hours. '' XX/XX/2021 to XX/XX/2021 - I never received a credit as mentioned in the email. I contacted Goldman Sachs over a dozen times for an explanation of the dispute and email. Each time, the customer service representatives promised to escalate and resolve the issue but as of XXXX XX/XX/2021 I have never received any callbacks, communication, or credits and the balance is still outstanding on my credit card account.

Company response to consumer: Closed with explanation