vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-01 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: TX

Complaint narrative:
Ive contacted TransUnion XX/XX/22, XX/XX/22, XX/XX/22 and XX/XX/22. I informed the representative that the account does not belong to me and the social security number or name does not match mines. I also contacted the original creditor and they confirmed the information does not match mine. The account remains on my TransUnion Credit report. 
XXXX XXXX account does not belong to me. 

I contacted TransUnion XXXX XXXX XXXX account. This account does not belong to me. The ss # does not belong to me. TransUnion refuses to remove it from my credit report. This account are preventing me from getting credit approvals.

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 2022-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This company is stealing and selling my information please help me get my information correct please. Ive called them numerous of times and they refuse to help me out they saying Im In debt {$5000.00} when I paid off my loan this is unacceptable I can even get a loan from a bank.

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 2022-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) rendered services for a procedure I had in XX/XX/2023, I spoke with a representative and told them I had insurance at the time through XXXX XXXX and advised them to bill for these services. Next thing I know, I'm receiving a collections notice from First Point Collection Resources indicating the full amount owed as though the insurance was never billed as they were to have initiated. This is causing undue stress as this debt should have been billed and covered by my insurance and will now possibly negatively affect my credit because of XXXX XXXX XXXX XXXX XXXX  incompetence for billing appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX quiet hours XXXX, MD XXXX XXXX : XX/XX/1982 SSN : XXXX I recently received my consumer report and noticed violations that go against the FCRA. Your Agency has not supplied me with any Account Level Documentation that bears my written instructions which is a violation of [ 15 U.S.C 1681b ] ( a ) ( 2 ) Permissible purpose of consumer reports according to the Fair Credit Reporting Act. please complete a proper Reinvestigation of the disputed information below in accordance with [ 15 U.S.C 1681i ] ( a ) ] Procedure in case of disputed accuracy PLEASE REINVESTAGE THESE ACCOUNTS AND DELETE IF ACCOUNT LEVEL DOCUMENTATION CAN NOT PROVIDE : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX DISPUTE REASON : [ 15 U.S.C 1681b ] Permissible purpose of consumer reports. 
ACCOUNT NAME : XXXXXXXX XXXX ACCOUNT XXXX DISPUTE REASON : [ 15 U.S.C 1681b ] Permissible purpose of consumer reports. 
ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX DISPUTE REASON : [ 15 U.S.C 1681b ] Permissible purpose of consumer reports.

Please send me all Account level documentation and a copy of my updated Consumer report with the Deletions of these accounts 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 2022-12-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/2022 my son 's wallet was stolen from his work. In it was my Home Depot ( Citi ) credit card, his debit card, his driver 's license, and his credit card. His credit card and debit card were used in XXXX WA for purchases of {$550.00}, {$100.00}, and {$41.00}, for a total of {$690.00}. All of these charges were dismissed and credited back to my son 's cards. My Home Depot credit card was used at the self-service checkout at the XXXX XXXX XXXX XXXX XXXX XX/XX/2022 for purchases of {$500.00}, {$150.00}, {$300.00}, {$270.00}, and {$320.00}. On XX/XX/2022, my Home Depot credit card was used at the self-service checkout at the XXXXXXXX XXXX XXXXXXXX XXXX for purchases of {$170.00}, {$170.00}, {$210.00}. The charges total {$2100.00}. I rarely use this card, and my son has had it with him -- with my permission -- for several years, using it only for home repairs, as he was renting my house. He has never used it outside our intended agreement. As soon as I noticed that my card had been used for fraudulent purposes, I contacted Home Depot to report the fraudulent charges, and they removed the charges from my account, cancelled that card, and sent me a new one with a new account number. A couple months later, the charges reappeared on my bill, noting that their fraud department determined that I am responsible for the charges, because I gave my card to an " unauthorized '' user. I reopened the claims, sent them more information supporting my claim of fraud, and they sent me more letters telling me their fraud investigation concluded that I was responsible. On approximately XX/XX/2022, I contacted the XXXX ( WA ) Police Department and filed a police report. An officer followed up with me and I provided him information regarding the fraudulent charges. I then contacted the Home Depot fraud department and let them know that I had filed a police report, giving them the case number and officer 's name. I informed them that I would not be paying any more on toward these fraudlent charges and said I'd be filing a report with the credit bureaus, which I am doing now. My son 's cards and my card were used to commit a felony. Furthermore, it is VERY CLEAR, from one quick look at my credit score and historical use of the Home Depot credit card, that I take my credit use seriously and monitor the use of my cards diligently. I should not be liable for these charges.

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 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
I have been a cardholder with Genesis FS Card Services ( Milestone ), as well as Destiny Card ( which I closed the account ) for over a year. I've called several times over the year, including my latest date XX/XX/XXXX to apply for Credit Protection ( a service they offer ) and I keep getting different responses as to why I can't apply. The latest is that I would have had to apply for this service on my initial credit card application, and that you can't take out this service afterwards. I asked XXXX ( ID # XXXX ) could she send this to me in writing, since it's their policy, because I keep getting different answers. She then put me on hold & asked her Supervisor ( XXXX ) ( who would not give his ID # ), and the response back to me was No, I can't get anything in writing supporting that policy. I also asked about a hardship program over the years and NEVER. They always say they have no hardship programs available at the time. I've been out of work for ( 2 ) years with health issues & had XXXX XXXX last XX/XX/XXXX, with a 2nd upcoming XXXX and this company offers no hardships & no way for me to protect myself as a Consumer with a service they have/offer, but state that it is only offered on the credit card application, ( in which I did not see ). I've never heard that a company has a service available to its consumers that you can only apply upon opening an account. This is why i paid off & closed the Destiny Card account & I'm trying to pay off this account so that i can close this one too, because this company is NOT in business to help their consumers in ANY way ... ... PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
I bank with First Citizens Bank. On XX/XX/XXXX my wallet was stolen. I called the police and reported the theft and I have an incident number from the police. 
I reported the card as stolen to the bank online within 2 hours of the theft. Before the debit card was frozen the thief charged 2 transactions at XXXX store. {$860.00} and {$400.00}. 

I called the bank on XX/XX/XXXX and submitted a fraud claim and told the representative that the card was stolen. I was told it would take 7 to 10 business days to resolve. 

On XX/XX/XXXX I followed up with an email and attached a copy of the incident card given to me by the police. I complained about it taking 7 to 10 days. They responded to the email on XX/XX/XXXX indicating it was still being investigated. 

On XX/XX/XXXX I called to check status and was told my claim was denied. They told me to contact XXXX myself and get the money back. I again told them it was stolen and I wanted to appeal the claim denial. I was put on hold and then cut off. I emailed again that same day asking for help. They responded with thank you for your inquiry. 

I called again today and they said that my claim is closed and they will not re-open it. The customer service is really bad. It is kind of like talking to a robot. Service is not the right word for what they provide. 

I am still working with my branch XXXX, but she is having trouble getting them to respond to her. 

My rent is due today and I am {$800.00} short because of this. I have to borrow money to pay rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I deposited a check to my bank Wellsfargo, it was mailed to my house as payment for renting a room from the person who committed the fraud. The check was credited to my account for MULTIPLE business days. The check itself was an overpayment of funds to me, so I asked this person who I know find out to be a criminal, how I can get the excess funds back to them. He gave me a XXXX account to use, then I sent the extra money that they overpaid. Right when I do that, within the hour, the check conveniently bounces and is reversed by Wellsfargo. When I called them yesterday they had no answers to me as to why the check was reversing, they told me I would have to call back in the morning. I called them today and they said it was a bad check. They are not taking any responsibility for the days the check was credited to my account, which it should not have been if it was a fraudulent check. And I'm unable to get the XXXX  funds back to my account as the fraudulent person has blocked all communication with me. 

I have pictures documenting all transactions and statements from wellsfargo. I was going to file a policy report but was told it is not worth my time. The amount was for {$5900.00}, it was deposited Sunday afternoon XX/XX/22. This transaction reversed yesterday XXXX in the afternoon, right after I XXXX  this criminal roughly half the amount from the check because it was overpaid the check also got reversed. Wellsfargo is saying that it was not there fault the check was fraudulent, but this cant possibly fall on the consumer to know what a fraudulent check is. They should be held responsible for crediting my account for days on end with a fraudulent check. They are a billon dollar banking institution, how can they not have systems in place to protect their customers in a timely manner. I now have a negative account balance of over XXXX dollars and they essentially wont do anything about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/19XXXX XXXX XXXX XXXX I recently received my consumer report and noticed violations that go against the FCRA. Your Agency has not supplied me with any Account Level Documentation that bears my written instructions which is a violation of [ 15 U.S.C 1681b ] ( a ) ( 2 ) Permissible purpose of consumer reports according to the Fair Credit Reporting Act. please complete a proper Reinvestigation of the disputed information below in accordance with [ 15 U.S.C 1681i ] ( a ) ] Procedure in case of disputed accuracy PLEASE REINVESTAGE THESE ACCOUNTS AND DELETE IF ACCOUNT LEVEL DOCUMENTATION CAN NOT PROVIDE : ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : [ 15 U.S.C 1681b ] Permissible purpose of consumer reports. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX : [ 15 U.S.C 1681b ] Permissible purpose of consumer reports. 
ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX DISPUTE REASON : [ 15 U.S.C 1681b ] Permissible purpose of consumer reports. 
Please send me all Account level documentation and a copy of my updated XXXXXXXX XXXX with the Deletions of these accounts XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Ive reached out several times to the transunion about disputing these fraudulent inquiries from my account. The inquiries are XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, and XXXX XXXX  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 non-monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I last made the annual fee payment of {$59.00} in XX/XX/XXXX. On XX/XX/XXXX I went online to the Citi website and sent them a message under their help section asking them to cancel my account and credit card. I thought it was then closed. I next received a statement from Best Buy dated XX/XX/XXXX that stated there was no amount due on the account. Citi handles the Best Buy Visa account. Then I received a form letter from Citi dated XX/XX/XXXX and a text dated XX/XX/XXXX that said my account was past due. I logged on to the Best Buy " accountonline '' and their account information said i owed {$120.00} past due for XXXX XXXX, XXXX. 
Then I sent a letter to their address for Citi at XXXX XXXX XXXX, XXXX XXXX SD XXXX with the above history and once again asked them to cancel the card immediately and that I did not owe them. I did not receive a response to my letter. 
I called Citi today, XX/XX/XXXX at XXXX and explained the above history and asked for a waiver of my fees to a representative who then said she had discussed it with customer service and they denied my claim.

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 monetary relief
Consumer complaint received 2022-12-01 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: GA

Complaint narrative:
On XX/XX/2022, I sent a letter to the following credit agencies, Experian, XXXX and XXXX to file a dispute regarding a direct violation of U.S. Code 6801 ( a ) ( b ) of reporting inaccurate and nonpublic personal information as public information which is a breach of my security and confidentiality rights. They failed to verify the accuracy and validity of multiple accounts that was reported on my consumer report. As a result, I am in distress because I was recently denied credit because of their flagrant neglect and violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Kingston Data & Credit International Inc.
State: LA

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/22, I received a text message from what I thought was my bank, Chase, asking me if I am trying to send a wire transfer andto confirm Y or N. I replied N and received another text back that no further action is required. I then noticed a missed call from Chase Bank and tried calling them back. As I was in the process of doing so, I received an incoming call from a person who identifiedthemself as XXXX XXXX from the Chase Wire Fraud Department Badge # XXXX. He advised me that someone named XXXX from XXXX, PA was attempting to wire {$9800.00} from my checking account to his. I explained to " XXXX XXXX '' that I don'tknow this person and I am NOT wiring anyone any money. I have never done so in my life. I was then advised that the wire transferwas in process but did not go thru as it was being reversed by " XXXX XXXX ''. He provided me with a reversal code ( XXXX ) .He also advised me that this reversal has been expedited & the funds will reappear in my account within the next business day. In themeantime, I was advised not to view my account or use my app as this can " compromise '' Chase 's investigation on trying to find outhow this XXXX XXXX could have gotten my information. I was provided a case # XXXX. On XX/XX/22 at XXXX, XXXX XXXX called me again and said that due to it being XXXX XXXX XXXX and the banks are closed, my funds are taking a little longer than expected to be back in my account but he said, " Not to worry, maa'am. As I said, I have expedited this request ''. I was then advised that I will be receiving another call tomorrow, XX/XX/22, from another Chase representative of the Wire Fraud Department between XXXX & XXXX. Needless to say, the call never came through. I went to the bank immediately and that is when I realized I was a victim of a scam/fraud. Please know that this " XXXX XXXX '' knew all of my information, including my name & last 4digits of my checking account #. Chase has been of very little help and seems to just be sweeping this whole ordeal under the rug, stating that I am at fault and I am the one that initiated this wire transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: FC HoldCo LLC
State: AZ

Complaint narrative:
I AM A CONSUMER. This account is reporting fraudulently on my credit report. This company never sent me a XXXX cancellation of debt form for this account which is against consumer law. I want this account to be removed immediately as I will send an affidavit to all parties involved if its not removed. This account is causing me stress, damage, Defamation, and anxiety.

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