vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX, XXXX 2023 my Citi bank debit card was charged multiple times from unauthorized ATM charges ( 6 charges of {$200.00} & 1 charge of {$100.00} ) I discovered my card and wallet was missing and instantly reported it and put a claim in with Citi Bank. They gave me a claims number and a couple weeks later I received a letter in the mail claiming that these charges were normal bank activity and I would not receive my money back. I then called Citi bank again asking them to resubmit the claim because these charges were clearly unauthorized and the card was not even in my possession nor have I ever withdrawn any money from an ATM with this bank. They submitted another claim on XX/XX/2023 and I still have not received any type of solution.

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 2023-07-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I am a divorced Massachusetts public servant ( XXXX XXXX XXXX XXXX XXXX ) of 13 years and my ex-wife taught elementary school in a XXXX XXXX XXXX XXXXXXXX for 15 years. When we got married in XXXX, we consolidated our student loans into one loan through Navient. Around XXXX we refinanced that loan with Navient ( XXXX XXXX ). We began with {$100000.00} combined student loan debt, and now, after 21 years ( 252 months ) of on-time payments, still owe $ XXXX. 

In XXXX of XXXX Congress enacted the federal Joint Consolidated Loan Separation Act. That new allows my ex-wife and I an opportunity to separate our loan into two Federal Direct Loans, which will make us eligible ( again ) to apply our combined 25 years of qualifying Public Service and have the loans discharged through XXXX. As per guidance directly from the Department of Education, we have contacted our servicer, Navient, to request an Administrative Forbearance until the Dept of Ed devises a plan to separate these loans. However Navient refused to grant such a forbearance, and we are being told, erroneously, that because we refinanced our Spousal Consolidated Student Loan we will not be eligible to to separate in accordance with the Joint Consolidated Loan Separation Act. The Department of Education has declared that it will include in its plan to enact this new law a provision for refinanced Joint Spousal Consolidated Student Loans. Navient is wrong and predatory. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I ordered two tickets to a XXXX XXXX concert on XX/XX/XXXX. I tried to log into the XXXX  web site but it appears my attempt was hijacked. I realized after placing the order that the I was charged {$440.00} for two general admission tickets that I was able to buy directly from XXXX  for {$100.00} a few days later. So, I called to cancel the original order but the phone number on the ticket confirmation was to a third party called XXXX XXXX Services. I asked for credit and was told the tickets were not refundable even though the tickets had not been sent to me ( and still haven't as of XX/XX/XXXX ). 
I contacted Wells Fargo in XXXX ( I can't locate exact date ) as they manage the XXXX  account used to purchase the tickets. I explained the situation and we called XXXX together to try and resolve the situation. When that didn't work, Wells Fargo initiated a charge dispute and was told that Wells Fargo would need XXXX days to resolve the complaint as they need to give vendor time to respond. 
I received an email from Wells Fargo on XXXX indicating that they would need another 60 days to complete their review. I called on XX/XX/XXXX to complain that this was already 60 days and after talking to many people was routed to the Executive Office. 
I received an email from Wells Fargo on XX/XX/XXXX and had a subsequent conversation with a " goal is to provide you with a resolution on or before XX/XX/XXXX. '' Today is XX/XX/XXXX and I just received an email that Wells Fargo has not had time to complete research and the " What's next, We'll follow up with you by XX/XX/XXXX. If we need more time, we'll let you know. '' This is getting ridiculous and the tickets, which I haven't received, will be worthless by XX/XX/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 2023-07-03 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: PA

Complaint narrative:
n 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 2023-07-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
n 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Accord Business Funding, LLC
State: CA

Complaint narrative:
Please see attachment The letter I sent to the attorney and his representative has everything. 

But just in case 1. They called my Poa at XXXX XXXX  2. They contact me instead of my Poa 3. They texted a unauthorized 3rd party I didnt not authorize them to do so and tell them my balance and court information etc 4. Recorded my Poa on the phone without her authorization in California And other things please review

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I, XXXX XXXX am writing to complaints on wrong informatin on my credit report. Following addresses are inaccrate and not my current ot correct addresses : XXXX XXXX XXXX XXXX, FL. XXXX, XXXX XXXX XXXX XXXX, NY XXXX, Following inquiries are on my report that were not applied for by me : XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-03 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: FL

Complaint narrative:
I, XXXX XXXX am writing to complaints on wrong informatin on my credit report. Following addresses are inaccrate and not my current ot correct addresses : XXXX XXXX XXXX XXXX, FL. XXXX, XXXX XXXX XXXX XXXX, NY XXXX, Following inquiries are on my report that were not applied for by me : XXXX XXXX XXXX XXXX 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 2023-07-03 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: NV

Complaint narrative:
I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate! 
I look forward to your written response confirming your compliance on this matter as well as an updated credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-07-03 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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Verisk Analytics Inc
State: CO

Complaint narrative:
Insurance claims regarding a property listed on my personal information is incorrect in the A Plus database in that several insurance claims against a property with a wrong address of XXXX XXXX XXXX XXXX, XXXX, CO XXXX was paid out to someone other than myself and documented as to a property at XXXX XXXX XXXX XXXX, without the unit number. Even though the correct property address contains a unit number. The properties in question are townhouses with a unit descriptor. The correct physical address of my unit is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX. This has caused me to pay very high insurance rates. The address in my record within the A Plus database regarding my unit needs to be corrected to reflect the correct physical address including the Unit number XXXX The amounts of claims against my property need to be dropped as I never made any claims for damages and there never were any damages to this property. 

This incorrect address information is in the database managed by A Plus as reported to my by my insurance agent. The information was also in the database managed by XXXX XXXX. However, I have communicated with them and they have corrected their data. A Plus will not communicate with me even though I have called them several times never receiving a return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: TX

Complaint narrative:
XXXX  XXXX which is the same company as XXXX which was paid off in XXXX of XXXX have lost my patience with this company placing negative information on my Experian account and XXXX is allowing it.Every other week they are sending fraudulent information that I am delinquent on an account that was paid off on XXXX XXXX  accepted a check from the title company on both loans they had opened in my name and one of the loans was a Forgiven Loan.Why are you all allowing both of these entities to place fraudulent information on my credit reports? I provided proof to you all the loans was paid in full. The title company has provided information, so my question is do I need to hire an attorney and file a lawsuit against someone in order to get this negative information off my credit report? Its sad when innocent consumers are battling against these predatory companies.Everytime I apply for a place to live that false information is hindering my ability to move forward with my life.

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 2023-07-03 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: TX

Complaint narrative:
XXXX XXXX which is the same company as XXXX which was paid off in XX/XX/2023XXXXI have lost my patience with this company placing negative information on my XX/XX/XXXX account and XXXX is allowing it.Every other week they are sending fraudulent information that I am delinquent on an account that was paid off on XXXXXX/XX/XXXX accepted a check from the title company on both loans they had opened in my name and one of the loans was a Forgiven Loan.Why are you all allowing both of these entities to place fraudulent information on my credit reports? I provided proof to you all the loans was paid in full. The title company has provided information, so my question is do I need to hire an attorney and file a lawsuit against someone in order to get this negative information off my credit report? Its sad when innocent consumers are battling against these predatory companies.Everytime I apply for a place to live that false information is hindering my ability to move forward with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN port anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletions listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brown and Joseph, Ltd
State: AZ

Complaint narrative:
I received a debt collection letter for XXXX XXXX dollars due to an " unpaid bill '' to XXXX XXXX. Not only was the original bill to XXXX XXXX XXXX XXXX  but it was paid twice by accident and was refunded XXXX with a XXXX balance. It was NEVER sent to a collection agency. And it was never XXXX XXXX dollars. I contacted my XXXX XXXX XXXX the day I received the collection letter, Friday XX/XX/XXXX and verified that it was a scam and that in fact I did not owe ANY money. I do have an active account with XXXX XXXX  but that account is current. Monday, XX/XX/XXXX, Brown and Joseph called my personal phone and started harrassing me for the XXXX. When I asked them why they said it was an unpaid work mans comp contract. When I asked why it was XXXX they back peddled and said that was a mistake and that i owe XXXX. ( Which I dont ). This company uses scare tactics to try to collect. Threatening bad credit... If they are legit, they are not competent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: CBC Companies, Inc.
State: CA

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.

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