vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-03-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
its been over 4 months now and I thought I would get a response from your company after 30 days but it seems my letter is being ignored. I sent the letter on XXXX XXXX but I sill haveng hot any response. I joined an online forum that discusses consumer rights and credit bureau violations and I was told that I could file complaints on CFPB since you are not doing what you're supposed to be doing. I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. Please reinvestigate and send me proof that you validated everything. I will wait for another month before i take my next steps.

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 2022-03-01 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: IL

Complaint narrative:
There were several unauthorized transactions from XXXX and XXXX on my account. I contacted the merchants as well. XXXX stated they would credit my account but I dont see the credits from XXXX. Now Chime is stating that since the card number was changed when I reported the card lost/stolen XXXX wont see the merchant credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: T.S. Holdings
State: CA

Complaint narrative:
During the shelter in place when covid-19 first hit I was not able to work for two months. I was not able to pay my rent for two months because of this. I tried paying the landlord back but could not afford the additional repayment amount and the rent. So I had to move. They submitted the remaining balance to a collections company named IQ Data International with a balance of around 4k. I started paying them 300 a month for a little over a year now. Two months ago I contracted XXXX and was off work without pay for two weeks. I still owe them 2k. They they told me to use my income tax return to pay them back. I have taken a reduction in hours at work due to Covid and I cant make that payment right now. I need more time. But they are threatening legal action, wage garnishment and make me pay for their legal fees. Im barely hanging on now. I want to pay them I just need more time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I'm beyond frustrated. Experian 's fraudulent claims that disputed bankruptcy was legally verified are false and a clear, blatant violation of my rights and the FCRA. 
The following agencies have deleted the legally unverifiable bankruptcy : XXXX, XXXX, XXXX, XXXX XXXX, XXXX and XXXX. Yet, Experian claims that bankruptcy was verified without disclosing who supposedly verified bankruptcy. The FCRA clearly states that a disputed item must be verified with and/or reported by the " original creditor ''. 
I've sent numerous copies of letters from XXXX and the Courthouse in which each entity states they neither report nor verify bankruptcies. Per the FCRA if the original 'creditor ' can not verify a disputed item then the item is to be removed. Therefore, to continue to claim this bankruptcy as verified is fraud and a blatant violation of the FCRA as well as my consumer rights. 

Furthermore, I'm aware that Federal Law prohibits any person 's full social security number from being displayed on XXXX and that using XXXX to " fish '' for information is not a viable or legal form of verification regarding disputes. I am also aware that repeatedly claiming the bankruptcy verified without disclosing the party you're getting the information from is yet another FCRA violation. 

If the bankruptcy is not removed from my credit within 30 days, I intend to seek legal remedies and seek a minimum of {$1000.00} per FCRA violation as compensation for violating my rights as a consumer and for the blatant disregard shown for the law- as is my legal right per the law which Experian has willfully failed to follow. 
I've emailed, sent letters, faxed and called. Each correspondence had proof that Experian is blatantly and willfully disregarding the law.

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 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX, an unauthorized person was granted access to my bank account by Chase Bank. The person committing the fraud was flagged as fraudulent, but was still granted access and was able to drain my balance by buying new XXXX products and shipping them to a Virginia address. 

On XX/XX/XXXX, I discovered the fraud after receiving an email alert that my email address on the account had been changed. I immediately called the bank and was told that they would change these things back, and that they would fix this, and that they would add layers of security to this option. The agent I spoke to at that time *confirmed* that Chase themselves had granted access to my account to the attacker. They said that they would freeze my account from any further transactions until I went to the bank in person tounfreeze the account. I spoke to no fewer than three agents that day who said they would add various flags and protections. 

On XX/XX/XXXX I went into a branch to follow up ; I was told my account was secure, they had done everything they could. and that my account was safe. I flagged that I wanted to know how the attackers had gotten access, and what information was used. I instructed them to please keep the account locked. Despiteproviding them with information as to where the stolen items would be sent, I was told no effort would be made towards recovery. 

On XX/XX/XXXX, I received another alert that Chase had again given access to my account to someone else. I immediately called to find out what had happened ; the agent in question that I spoke to said not only had nothing changed, Chase had not locked my account. Chase had not reported the fraud or started any refunds. Chase had not added the requested password. This agent, XXXX, said he would proceed to do these things. 

On XX/XX/XXXX, I called again to try and resolve these issues ; I was told that there had been no modifications to security or other improvements, despite the agent acknowledging the new username which I had added on the XXXX. They said there had been no changes to the account in months. They said they would add two factor authentication again on my account to add a layer of protection. As of today, XX/XX/XXXX, I was able to access my account without 2 factor authentication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had Victoria secret credit card, i paid entire balance on my card, about two months latter I received alert from credit monitoring that I was delinquent on this credit card.

when looked I saw there was two separate finance charges. the charges was posted 25 days after my account balance was {$0.00}. i have reason to believe either it was done in error or simply a fraudulent charge by the creditor to get extra money out of me. it started with {$2.00} cent finance charge and then same day there was another finance charge of {$3.00}, cent on credit card that had {$0.00} balance,. and then i was charged {$5.00} late fee on the interest charge. then there was interest charge, and then another late fee of {$13.00} then another interest charge of {$2.00} even I thought it was not right but I still paid it to avoid any issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX messaged me on a website roomies.com offering to rent a room under the name of XXXX. She gave me a tour of the room on XX/XX/XXXX at XXXX and stated to me that in order to move in, it would cost me {$950.00} and {$200.00} for deposit. On XX/XX/XXXX I took out a money order of {$950.00} ( came out to {$950.00} for processing fee ) at Wells Fargo and wrote a check for {$200.00} for the deposit. I was given keys and I told her I was going to move in my stuff on XX/XX/XXXX. On XX/XX/XXXX, I arrived to drop off my stuff and move in, but no one was there. The key she gave me did not work and didn't open the door. I messaged her, called her. She did not reply. The calls went straight to voicemail. 

I got a bad feeling and have notified my financial institution. I later googled the name she told me to write the money order and check to : XXXX XXXX. A mugshot came up and it was her. She was arrested in XXXX in XXXX, NC for theft under false pretenses. 
XXXX XXXX XXXX  XXXX She lied And told me XXXX XXXX is the name of the landlord. XXXX XXXX went by XXXX. I reported her account to roomies.com and she was banned. 

I tried to work this out with Wells Fargo my financial institution. They were able to retrieve the XXXX from my personal check. Unfortunately they were unable to retrieve the {$950.00} on money order because it was not lost, stolen, and XXXX signed for it already. I would appreciate any help in retrieving the rest. This has been a huge hit to my financial struggles. 

A police report has been created in 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 2022-03-01 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX Acct # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX Acct # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: Convergent Resources, Inc.
State: IN

Complaint narrative:
I have sent certified letters explaining that these companies are using my identity saying I owe them .I have disputed all furnishes using my identity which no prevail please help. This identity theft has left me XXXX  and I only request to remove the inaccuracies

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 2022-03-01 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: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I have sent certified letters explaining that these companies are using my identity saying I owe them .I have disputed all furnishes using my identity which no prevail please help. This identity theft has left me XXXX  and I only request to remove the inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was victim of fraud via phishing. Without a proper investigation, the bank ( Citibank ) denies my claim stating that I have provided account information or authorization for the transactions. 

On Tuesday, XXXX XXXX, XXXX at XXXX I received a text message for XXXX : Citi : Your Citi ONLINE ACCOUNT has been temporarily locked due to a suspicious activity. Visit XXXX XXXX XXXX to verify yourself and regain access. 

After clicking on the link, it directed me to the Citibank sign in portal page, in where I entered my User ID and Password, and I closed the page afterwards. 

Later that day, I received an email from my cell phone server " XXXX '', saying that my XXXX has been changed from a number to another number, and had no phone service after that email. I called XXXX and they advised me to go to a store and get the SIM card replaced, I did so. 

On Thursday, XXXX XXXX, my XXXX has been changed form a number to another number, and I had no phone service. 
Later that afternoon I received an email from XXXX account team saying that my password was changed. 
I had no phone service, neither access to my emails. 

I checked my Online Banking Account and I spotted 3 unauthorized pending wire transfers transactions and a XXXX transaction. I called the bank several times and reported the XXXX fraud, they ask me to call back to report the Wire frauds the morning after due that the Wire Transfer Department was closed after XXXX. 

Recipient : XXXX XXXX : {$5000.00} Citi bank was able to stopped the wire on XX/XX/XXXX. 
Recipient : XXXX XXXX : {$7000.00} were wired out of my account. Bank has denied my fraud claim. 
Recipient : XXXX XXXX : {$900.00} were wired out of my account. Bank has denied my fraud claim. 
{$2500.00} trough zelle founds out of my account ( recipient : XXXX XXXX ). Bank has granted me the claim. 
Personal Loan trough CITI ( was denied, I sow the denied email today after recovering my email account ).

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 2022-03-01 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have provide any information necessary to verify that I am filling this complaint. These stale tactics you companies are using are unprofessional and illegal. Please see attachments and provide me with the proper verification pursuant to the LAWS that govern you all business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reported a case of fraud on my XXXX XXXX credit card to CFPB, XXXX # XXXX. Though CFPB 's intervention resulted in a XXXXXXXX XXXX investigation, and a promise to reverse the charges, I now learn that my credit rating has been downgraded by XXXX points. This incident was reported as a delinquency and the bank never corrected the problem with the credit reporting agencies. XXXXXXXX XXXX should have informed the credit bureaus that this was a matter of fraud and ensured that it had no negative impact on my credit rating. 

I have always had excellent credit. This matter took place because of no fault of my own but was entirely due to the lack of adequate security at XXXX XXXX. I have spent many hours on the phone with the bank representatives, and in written correspondence exchanges to get this situation resolved. And now, as you can see from the credit card statement I received yesterday from XXXX XXXX, instead of identifying the problem as fraud, it lists numerous " adjustments '' that are labeled as reverse charges. XXXX XXXX  has mishandled this entire matter from the beginning.

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I reported a case of fraud on my XXXXXXXX XXXX  credit card to CFPB, XXXX # XXXX. Though CFPB 's intervention resulted in a XXXX XXXX investigation, and a promise to reverse the charges, I now learn that my credit rating has been downgraded by XXXX points. This incident was reported as a delinquency and the bank never corrected the problem with the credit reporting agencies. XXXX XXXX should have informed the credit bureaus that this was a matter of fraud and ensured that it had no negative impact on my credit rating. 

I have always had excellent credit. This matter took place because of no fault of my own but was entirely due to the lack of adequate security at XXXX XXXX. I have spent many hours on the phone with the bank representatives, and in written correspondence exchanges to get this situation resolved. And now, as you can see from the credit card statement I received yesterday from XXXX XXXX, instead of identifying the problem as fraud, it lists numerous " adjustments '' that are labeled as reverse charges. XXXX XXXX has mishandled this entire matter from the beginning.

Company response to consumer: Closed with explanation