vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-27 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: TX

Complaint narrative:
On XX/XX/XXXX, I called XXXX bank to report fraudulent transactions and payments on my accounts. Since that day, XXXX has been negligent in how the investigation and reporting of this matter have been handled XXXX has partnered with Experian and Experian has reduced my score because of this XXXX account. 

Neither company has respected my consumer rights although I have submitted the police and FTC reports, verbally described the incident, and have written letters requesting this information gets corrected. 

On XX/XX/XXXX, I called XXXX after noticing another payment had been deducted from my business account. I was informed that my pending claim had been denied because it was incorrectly submitted by the fraud team. 

The account was reported as fraudulent, instead of having fraudulent transactions. I requested documentation detailing transactions charged to this account to help me determine which ones were not authorized and on XX/XX/XXXX and XXXX, XXXX responded that there were no transactions done to this account. 

Today I called XXXX touch base and was informed that my dispute for this account was submitted incorrectly for a 5th time by XXXX, therefore it was denied. She submitted another claim today and told me any money would be returned to me once the account charges are verified as fraudulent. 

FTC CFPB Help me with these monsters XXXX and Experian. Step in or give me guidance on how legally to hold these companies accountable for the money they ruse to return. I am exhausted Physically and emotionally.

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 2022-12-27 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: TX

Complaint narrative:
On XX/XX/XXXX, I called XXXX XXXX  to report fraudulent transactions and payments on my accounts. Since that day, XXXX has been negligent in how the investigation and reporting of this matter have been handled XXXX has partnered with Experian and Experian has reduced my score because of this XXXX account. 

Neither company has respected my consumer rights although I have submitted the police and FTC reports, verbally described the incident, and have written letters requesting this information gets corrected. 

On XX/XX/XXXX, I called XXXX after noticing another payment had been deducted from my business account. I was informed that my pending claim had been denied because it was incorrectly submitted by the fraud team. 

The account was reported as fraudulent, instead of having fraudulent transactions. I requested documentation detailing transactions charged to this account to help me determine which ones were not authorized and on XX/XX/XXXX and XXXX, XXXX responded that there were no transactions done to this account. 

Today I called XXXX touch base and was informed that my dispute for this account was submitted incorrectly for a 5th time by XXXX, therefore it was denied. She submitted another claim today and told me any money would be returned to me once the account charges are verified as fraudulent. 

FTC CFPB Help me with these monsters XXXX and Experian. Step in or give me guidance on how legally to hold these companies accountable for the money they ruse to return. I am exhausted Physically and emotionally.

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 2022-12-27 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: OK

Complaint narrative:
On XX/XX/XXXX, I received notification from XXXX XXXX that an account had reported me 30 days late on payment. Research indicated that this came from Comenity Bank, an account that I was not familiar with. It turned out that it was for XXXX. 

As I had paid off my off the remaining balance on XX/XX/XXXX, I was surprised as well as confused. I logged on to my account and noted charges for XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX and XX/XX/XXXX for {$2.00} ( XXXX ), {$6.00} and {$14.00}. 

When I contacted the company, they told me it was for interest. I asked them to explain how when I paid the " remaining balance '' of my account that it did not include the {$2.00} interest on XX/XX/XXXX and so on. They tried to attribute it to when the payment is made, versus the time that it takes for the bank to process the payment. They remain adamant that the money is still owed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Transunion has violated my federally protected right as a consumer. I need to be compensated for this error immediately. Several federally protected consumers laws have been violated and we can start with, permissible purposes for which consumer reports are most commonly sought are those identified in FCRA section 604 ( a ) ( 3 ). This is also defamation of character as my consumer report has reflected fraudulent items recently. The need to send me compensation in the form of a check {$5000.00} immediately. They unlawfully recorded my voice without consent and exposed my personal information in a data breach. They have only offered Identity restoration services which in NOT enough. They are putting the lives of consumers at risk with all my personal information now being accessible.

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 2022-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/2022, Citibank Mastercard credited my account for {$51.00} in fraudulent interest charges. In its XX/XX/2022, bill, Citibank then charged me {$30.00} in new interest for failing to pay the {$51.00} that it credited to my account weeks before the XX/XX/2022, XXXX was due in early XXXX. This the the fourth month that Citibank has tried to pull the same scam : 1 ) give credit ( s ) ; 2 ) disregard credit ( s ) for purposes of determining interest due ; 3 ) charge interest not due Each time, they credit my account and then disregard the credit ( s ) when determining if I paid my " monthly balance '' You closed my prior complaint for prior fraudulent interest charges by Citibank with no investigation. I see we gave your agency about {>= $1,000,000} in XXXX 2022 to " protect '' us from scammers, like Citibank, an habitual offender. I await your response with interest. Next month, Citi will likely try this scam again because I will not pay any amount fraudulently placed on my bill - sent by the Internet and U.S. Mail with, at a minimum, reckless disregard for its accuracy - arguably wire and mail fraud - " predicate acts '' under R.I.C.O.

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 2022-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: FL

Complaint narrative:
After being harassed with phone calls from West lake financial services regarding the remaining balance from the volunteer repo ( the car was sold to someone else ), I received a phone call from west lake financial to pay a settlement amount of {$1000.00} and it would clear my debt on my credit report. West lake told me they would send me the {$1000.00} settlement letter in the mail and I never did receive the letter so I can pay the settlement amount of {$1000.00}. On XX/XX/13 a judgement was filed against me and wanting me to now pay {$8700.00} which is not the amount West lake agreed to settle this debt for off my credit.

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 2022-12-27 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
I was a victim of identity theft several years ago. It became so bad I elected to sign up for XXXX XXXX to hopefully prevent this from occurring and also added credit freezes on my credit reports. It still occurs approximately every 6 months and always a cell phone company or cable company. The latest incident occurred when I received a notice from XXXX that there was collection notice on my credit report. This was from CREDENCE RESOURCE MANAGEMENT. I have never heard anything from this company ; no letters, no phone calls ; nor any email notices- they simply filed a collection notice against my credit. This same tactic has happened in the past more than once. This happened on XXXX day as the collection notice appeared on XXXX XXXX. I have filed disputes on all three agencies as this is clearly NOT my account and due to this collection notice, my credit score dropped approx. 60 points. This needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27 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: LEXISNEXIS
State: GA

Complaint narrative:
I have a Bankruptcy report on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: LEXISNEXIS
State: OH

Complaint narrative:
I have a Bankruptcy report on my credit report. I've reached out to XXXX and said that LEXISNEXIS gave them the report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
XXXX closed account on XX/XX/2022 due to a {$40.00} returned payment. This payment was re-tried after the account was closed, and successfully debited but the creditor refuses to change the account status. Creditor stated an earlier returned payment from XX/XX/2022, a period in which I was changing bank accounts. This payment was promptly corrected, for a different amount, as was the {$40.00} amount cited in the letter sent by a " corporate specialist '', which cited an obscure clause of terms of services that I have never seen in any documentation provided by the company. The same person cited a clause about " default '' when referring to " returned payments ''. These two are not the same things. I have never default on this or any credit account and never have I missed a payment. Reported behavior to the XXXX XXXX XXXX and will spread the word about their predatory business practices.

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 2022-12-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Regarding the XXXX XXXX ordered settlement. For four years I have demanded my court ordered check. 
Case Number : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Case XXXX XXXX XXXX Last location XXXX New York. Never responded, but XXXX knew he was in the basement. Never returned my call. The Company who he worked for know his where abouts. In this letter it states " We will reopen your file. '' This man never did. XXXX XXXX XXXX also never assisted in the resolution of my dispute. THIS CRIMINAL BEHAVIOR IS STILL PRESENT TODAY. 

THE SETTLEMENT ADMINISTOR XXXX XXXX XXXX XXXX, MN XXXX LIED TO ME ALSO. 
MY COURT ORDERED SETTLEMENT NEVER ARRIVED. 
XXXX XXXX also stated, " THERE is a " HUGE PROBLEM. '' XXXX XXXX 'XXXX  XXXX ' XXXX OFFICE LIED! I SUPPLIED MY AZ. MARRIAGE DOCUMENT ( 2 TIMES TO THE XXXX XXXX WELLS FARGO MANAGER ON DUTY. HE FAXED THEM WITH COMPLAINTS TO THE EXECUTIVE OFFICE. 
IT ONCE AGAIN WELLS FARGO THAT DOESN'T KNOW WHERE I AND MY HUSBAND RESIDE. 

I AM VERY TIRED OF THE ABUSE! THESE PEOPLE SHOULD BE PROSECUTED! 
TO HAVE TO BE INVOLVED IS THIS ACTIVITY YEARS ON END IS ILLEGAL. 

I WANT MY COURT ORDERED XXXX SETTLEMENT CHECK. I WANT THE CFPB TO PROSECUTE THESE UNKNOWN INDIVIDUALS. THEIR STATE LICENCES NEED TO BE REVOKE BECAUSE OF CONTINUAL LIES AND EVADING FORMER CUSTOMERS WHO HAD TO LEAVE CRIMINAL ACTIVITY. 

PLEASE NOTE THAT ONCE AGAIN ANOTHER PERSON HAS TO RESOLVE ALL MY CONTINUAL COMPLAINTS OF FRAUDULENT ACTIVITY. XXXX XXXX AND THE BOXES OF INDIVIDUALS THAT ARE ALSO INCAPIABLE. THIS IS ABUSE!!!!

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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
company never investigated disputes

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 2022-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a federal criminal violation punishable under U.S.C.1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection or closed account found on my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying identity information to apply for goods, services, or money, and was successful in creating false accounts. All is being investigated by FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: OH

Complaint narrative:
I have a Bankruptcy report on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I heard from Bank of America 's Executive Office, spoke with XXXX at XXXX XXXX. XXXX shared with me that BOA 's fraud department attempted to reach out to XXXX XXXX XXXX XXXX  ( where the check was drawn on ), and the fraud department reported back to her that they received no response and was not able to verify that this check was drawn on their bank. I find this insulting, and totally false. This bank 's practices and procedures have implied that somehow I have committed fraud by depositing a paper check. Please pull the recorded phone conversations and I would like evidence from the " fraud department '' and from the Clearinghouse that this check, in fact has not cleared as of today as XXXX represented. I found the Treasury 's phone number that was passed on to XXXX. Here is the website explaining the entire process, and the " view image '' shows that the check was processed through the clearinghouse as Bank of America denies, and they insist on holding of possible fraud here. They held my check during XXXX XXXX, for ten days and state that they can not verify which is all inaccurate. 
https : XXXX XXXX like the teller who told me it would only be held until XX/XX/22, and that changed. BOA is incongruent with their representations to their customers.

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 2022-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
I was messaged on XXXX  on XX/XX/22 by a user who has since deleted the account. They claimed that they would send me money if I send them my XXXX. They claimed that there is a processing or authorization fee for the money to go through. At first it was a {$50.00} fee in order for me to receive {$2000.00} immediately. I sent the {$50.00} on XXXX  to the user $ XXXX as they told me to. Then they claimed that {$100.00} was still needed to process in order for the {$2000.00}. They claimed that they would send me {$2200.00} instead since I now had to pay more. So I sent {$100.00} to the same XXXX  $ XXXX. And they just kept tacking on more money that they were going to send me, which required more processing/authorization fees of larger amounts. The next payment they requested was {$150.00} to be sent to $ XXXX with account name XXXX XXXX. I also received a legitimate looking email with a picture showing that they had already sent {$4000.00} to my Zelle but it showed it needed higher fees still. I ended up sending them money a total of XXXX separate times totaling {$3400.00}. The individual transactions are as follows : - {$300.00} sent to XXXX XXXX ( XXXX ) via Zelle - {$300.00} sent to XXXX XXXX ( XXXX ) via Zelle - {$69.00} sent to XXXX XXXX ( XXXX ) via Zelle - {$300.00} sent to XXXX XXXX ( XXXX ) via Zelle - {$400.00} sent to XXXX XXXX ( XXXX ) via Zelle - {$550.00} sent to XXXX XXXX ( XXXX ) via Zelle - {$500.00} sent to XXXX via XXXX Pay - {$700.00} sent to XXXX via XXXX Pay - {$50.00} sent to XXXX XXXX ( $ XXXX ) via XXXX  - {$100.00} sent to XXXX XXXX ( $ XXXX ) via XXXX  - {$150.00} sent to XXXX XXXX ( $ XXXX ) via XXXX {$200.00} sent to XXXX XXXX ( $ XXXX ) via XXXX  I would also receive texts from XXXX ( claimed to be the lawyer ), XXXX ( claimed to be XXXX of XXXX XXXX ), and XXXX ( claims to be XXXX XXXX ) regarding the transactions.

Company response to consumer: Closed with explanation